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 | |