Great Falls, MT · Charter 11364
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
11
Profitability
85
Liquidity
32
Efficiency
73
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Great Falls, MT · Charter 11364
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.01% | 1.69% | 1.62% | 1.38% | 1.72% | -29 bps | |
| Return on Equity | 18.40% | 14.77% | 16.63% | 12.32% | 15.64% | -276 bps | |
| Net Interest Margin | 4.73% | 4.87% | 4.74% | 4.22% | 4.09% | -63 bps | |
| Efficiency Ratio | 54.68% | 59.38% | 67.89% | 75.11% | 70.21% | +1,553 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.02% | -0.51% | 0.00% | -4.49% | 6.77% | +979 bps | |
| Loan Growth (YoY) | -7.68% | -12.33% | 0.00% | -15.79% | -14.62% | -694 bps | |
| Share Growth (YoY) | -4.21% | -1.89% | 0.00% | -5.80% | 6.42% | +1,062 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.79% | 3.24% | 1.67% | 4.20% | 2.44% | -35 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.91% | 11.41% | 9.75% | 11.20% | 11.01% | +10 bps | |
| Net Worth / Assets | 10.91% | 11.41% | 9.75% | 11.20% | 11.01% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.40% | 59.18% | 63.55% | 54.11% | 48.46% | -1,194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Great Falls, MT · Charter 11364 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.72%
Rank 157 of 1,683
Net Interest Margin
4.10%
Rank 597 of 1,683
Efficiency Ratio
70.11%
Rank 458 of 1,682
Equity / Assets
11.01%
Rank 1,151 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 0.35% | 0.74% | 1.18% | Beats 91% | 157 / 1,683 | |
| Return on Equity | 15.61% | 2.67% | 5.89% | 8.74% | Beats 98% | 41 / 1,681 | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 597 / 1,683 | |
| Efficiency Ratio | 70.11% | 68.91% | 78.20% | 86.93% | Beats 73% | 458 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.44% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,503 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.01% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,151 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.01% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,151 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.46% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,348 / 1,683 | |
| Loans / Assets | 43.08% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,297 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||