PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Hills

Sturgis, SD · Charter 6986

NCUA · 5 branches

Q2 2026

$204.9MAssets
$172.9MLoans
$183.2MShares
$19.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.79%, down 25 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.29% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.57%, down 49 bps from a year ago.
  • Funding: loans stand at 94.38% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.79%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.85%-9 bps YoY

Efficiency Ratio (quarter, annualized)

73.77%-95 bps YoY

Net Worth / Assets

9.57%-49 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.12%1.10%0.84%0.79%-25 bps
Return on Equity10.37%10.90%10.95%8.64%8.29%-208 bps
Net Interest Margin3.94%4.00%3.83%3.86%3.85%-9 bps
Efficiency Ratio74.72%72.06%71.80%74.23%73.77%-95 bps
Growth
Asset Growth (YoY)9.13%7.62%11.95%15.92%16.75%+761 bps
Loan Growth (YoY)10.77%9.91%15.01%21.83%26.92%+1,615 bps
Share Growth (YoY)13.43%9.28%17.82%17.55%20.34%+691 bps
Asset Quality
Delinquent Loans / Loans0.53%0.46%0.45%0.40%0.29%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.06%10.28%10.07%9.77%9.57%-49 bps
Net Worth / Assets10.06%10.28%10.07%9.77%9.57%-49 bps
Liquidity & Funding
Loans / Shares89.48%92.04%91.00%91.88%94.38%+489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps