Darby, MT · Charter 18964
NCUA · 2 branches
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 | 1.05% | 1.20% | 1.07% | 0.85% | 0.60% | -45 bps | |
| Return on Equity | 13.47% | 14.66% | 12.97% | 9.89% | 7.03% | -643 bps | |
| Net Interest Margin | 3.86% | 4.00% | 4.05% | 4.31% | 4.24% | +38 bps | |
| Efficiency Ratio | 79.49% | 77.30% | 77.76% | 80.72% | 85.11% | +562 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.55% | 3.86% | 8.17% | 3.88% | 1.12% | -443 bps | |
| Loan Growth (YoY) | -4.01% | -5.39% | -3.01% | -2.09% | -2.44% | +158 bps | |
| Share Growth (YoY) | 5.65% | 2.82% | 7.16% | 3.38% | 0.14% | -551 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.77% | 8.18% | 8.29% | 8.58% | 8.53% | +76 bps | |
| Net Worth / Assets | 7.77% | 8.18% | 8.29% | 8.58% | 8.53% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |