PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Grasslands

Circle, MT · Charter 11030

NCUA · 2 branches

Q2 2026

$141.5MAssets
$74.0MLoans
$120.5MShares
$19.1MNet 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 1.13%, up 23 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.05% of loans (-28 bps YoY).
  • Capital: net worth / assets of 13.49%, down 28 bps from a year ago.
  • Funding: loans stand at 61.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+9 bps YoY

Efficiency Ratio (YTD, annualized)

68.94%-465 bps YoY

Net Worth / Assets

13.49%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.02%0.78%0.75%1.13%+23 bps
Return on Equity6.55%6.90%5.57%5.67%8.35%+180 bps
Net Interest Margin3.02%3.28%3.11%3.08%3.11%+9 bps
Efficiency Ratio73.59%71.51%76.05%74.16%68.94%-465 bps
Growth
Asset Growth (YoY)8.63%5.33%10.81%13.94%9.09%+45 bps
Loan Growth (YoY)-0.75%-2.00%-3.45%0.61%-1.44%-69 bps
Share Growth (YoY)5.64%5.26%12.20%16.87%13.05%+741 bps
Asset Quality
Delinquent Loans / Loans0.33%0.30%0.16%0.18%0.05%-28 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 Capital13.77%14.76%14.07%13.30%13.49%-28 bps
Net Worth / Assets13.77%14.76%14.07%13.30%13.49%-28 bps
Liquidity & Funding
Loans / Shares70.46%74.91%68.78%59.70%61.43%-903 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps