Fairbanks, AK · Charter 8080
NCUA · 5 branches
Q1 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.83% | -1.05% | -1.28% | 0.71% | -0.34% | -0.57% | -0.31% | 0.96% | +24 bps | |
| Return on Equity | -7.34% | -9.07% | -12.78% | 6.70% | -3.02% | -5.02% | -2.73% | 8.41% | +171 bps | |
| Net Interest Margin | 4.99% | 5.18% | 4.82% | 5.01% | 5.58% | 5.77% | 5.79% | 5.43% | +42 bps | |
| Efficiency Ratio | 81.94% | 85.51% | 89.04% | 68.18% | 83.96% | 85.01% | 83.14% | 69.81% | +162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.17% | -5.11% | 0.63% | -0.51% | -9.50% | -7.00% | -13.79% | -10.19% | -968 bps | |
| Loan Growth (YoY) | 2.53% | -10.32% | -12.69% | -9.95% | -7.73% | -0.34% | -1.23% | -4.80% | +514 bps | |
| Share Growth (YoY) | 1.31% | -1.42% | 2.37% | 7.10% | -7.92% | -10.99% | -15.51% | -10.39% | -1,748 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.09% | 2.44% | 2.34% | 0.86% | 0.91% | 1.27% | 1.51% | 1.13% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.29% | 11.55% | 10.04% | 10.65% | 11.27% | 11.32% | 11.30% | 11.40% | +74 bps | |
| Net Worth / Assets | 11.29% | 11.55% | 10.04% | 10.65% | 11.27% | 11.32% | 11.30% | 11.40% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.68% | 87.92% | 81.21% | 82.46% | 95.88% | 98.44% | 94.94% | 87.60% | +514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |