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 | |