Darby, MT · Charter 18964
NCUA · 2 branches
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
7
Asset Quality
53
Profitability
58
Liquidity
28
Efficiency
30
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.
Darby, MT · Charter 18964
NCUA · 2 branches
Q2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.91% | 0.98% | 1.05% | 1.20% | 1.07% | 0.85% | 0.60% | -45 bps | |
| Return on Equity | 11.90% | 11.71% | 12.49% | 13.47% | 14.66% | 12.97% | 9.89% | 7.03% | -643 bps | |
| Net Interest Margin | 3.65% | 3.83% | 3.89% | 3.86% | 4.00% | 4.05% | 4.31% | 4.24% | +38 bps | |
| Efficiency Ratio | 77.01% | 78.36% | 81.02% | 79.49% | 77.30% | 77.76% | 80.72% | 85.11% | +562 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.40% | -3.40% | 3.17% | 5.55% | 3.86% | 8.17% | 3.88% | 1.12% | -443 bps | |
| Loan Growth (YoY) | -4.28% | -6.85% | -8.04% | -4.01% | -5.39% | -3.01% | -2.09% | -2.44% | +158 bps | |
| Share Growth (YoY) | -5.13% | -4.22% | 2.70% | 5.65% | 2.82% | 7.16% | 3.38% | 0.14% | -551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.03% | 0.07% | 0.10% | 0.54% | 0.58% | 0.49% | 0.59% | +49 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 | 7.33% | 7.80% | 7.81% | 7.77% | 8.18% | 8.29% | 8.58% | 8.53% | +76 bps | |
| Net Worth / Assets | 7.33% | 7.80% | 7.81% | 7.77% | 8.18% | 8.29% | 8.58% | 8.53% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.24% | 52.62% | 49.31% | 48.46% | 48.07% | 47.63% | 46.70% | 47.21% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Darby, MT · Charter 18964 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.60%
Rank 1,006 of 1,683
Net Interest Margin
4.23%
Rank 477 of 1,683
Efficiency Ratio
85.05%
Rank 1,185 of 1,682
Equity / Assets
8.53%
Rank 1,569 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,006 / 1,683 | ||
| Return on Equity | 7.08% | 2.67% | 5.89% | 8.74% | Beats 62% | 642 / 1,681 | ||
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 72% | 477 / 1,683 | ||
| Efficiency Ratio | 85.05% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,185 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.29% | Beats 53% | 784 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.53% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,569 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.53% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,569 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.21% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,367 / 1,683 | ||
| Loans / Assets | 43.06% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,298 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||