Missoula, MT · Charter 19017
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
49
Asset Quality
33
Profitability
49
Liquidity
0
Efficiency
84
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.
Missoula, MT · Charter 19017
NCUA · 1 branch
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 | 0.53% | 0.59% | 1.51% | 1.16% | 1.22% | 1.20% | 0.96% | 1.04% | -12 bps | |
| Return on Equity | 5.00% | 5.43% | 13.58% | 10.05% | 10.28% | 10.00% | 7.76% | 8.11% | -194 bps | |
| Net Interest Margin | 2.41% | 2.42% | 2.43% | 2.48% | 2.65% | 2.66% | 2.70% | 2.87% | +40 bps | |
| Efficiency Ratio | 69.01% | 68.85% | 67.61% | 68.24% | 63.41% | 61.98% | 64.60% | 63.92% | -432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.05% | 2.65% | 3.22% | 1.29% | -1.06% | 0.69% | -1.54% | -1.38% | -267 bps | |
| Loan Growth (YoY) | -3.85% | -6.75% | -10.64% | -12.40% | -15.91% | -13.43% | -8.45% | -21.20% | -881 bps | |
| Share Growth (YoY) | 0.80% | 2.38% | 2.79% | 0.43% | -2.43% | -0.62% | -2.97% | -2.90% | -333 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.23% | 2.22% | 1.78% | 2.02% | 2.36% | 1.70% | 2.24% | 1.00% | -101 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 | 0.98% | 1.23% | 0.91% | 0.87% | 0.93% | 0.94% | 0.90% | 1.01% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.63% | 10.89% | 11.11% | 11.50% | 11.85% | 12.02% | 12.35% | 12.83% | +133 bps | |
| Net Worth / Assets | 10.63% | 10.89% | 11.11% | 11.50% | 11.85% | 12.02% | 12.35% | 12.83% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.88% | 49.45% | 43.84% | 46.48% | 43.85% | 43.08% | 41.37% | 37.72% | -876 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Missoula, MT · Charter 19017 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.03%
Rank 565 of 1,683
Net Interest Margin
2.88%
Rank 1,512 of 1,683
Efficiency Ratio
64.10%
Rank 267 of 1,682
Equity / Assets
12.83%
Rank 854 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 565 / 1,683 | ||
| Return on Equity | 8.06% | 2.67% | 5.89% | 8.74% | Beats 70% | 501 / 1,681 | ||
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,512 / 1,683 | ||
| Efficiency Ratio | 64.10% | 68.91% | 78.20% | 86.93% | Beats 84% | 267 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,133 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.83% | 10.44% | 12.89% | 16.53% | Beats 49% | 854 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.83% | 10.44% | 12.89% | 16.53% | Beats 49% | 854 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.72% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,524 / 1,683 | ||
| Loans / Assets | 32.79% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,509 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||