PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ravalli County

Hamilton, MT · Charter 19732

NCUA · 2 branches

Q2 2026

$89.4MAssets
$57.2MLoans
$75.7MShares
$12.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.80%, down 34 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.02% of loans (-8 bps YoY).
  • Capital: net worth / assets of 13.87%, up 33 bps from a year ago.
  • Funding: loans stand at 75.65% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.51%-9 bps YoY

Efficiency Ratio (YTD, annualized)

59.74%-252 bps YoY

Net Worth / Assets

13.87%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.14%2.15%2.09%1.82%1.80%-34 bps
Return on Equity15.83%15.97%15.33%13.49%13.01%-282 bps
Net Interest Margin4.60%4.48%4.40%4.54%4.51%-9 bps
Efficiency Ratio62.26%61.20%61.22%59.82%59.74%-252 bps
Growth
Asset Growth (YoY)10.96%10.61%8.91%11.97%13.60%+263 bps
Loan Growth (YoY)4.61%5.04%6.72%3.56%0.81%-379 bps
Share Growth (YoY)10.61%9.39%7.86%11.97%12.99%+238 bps
Asset Quality
Delinquent Loans / Loans0.10%0.09%0.04%0.04%0.02%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.55%13.48%13.65%13.47%13.87%+33 bps
Net Worth / Assets13.55%13.48%13.65%13.47%13.87%+33 bps
Liquidity & Funding
Loans / Shares84.78%79.72%79.15%75.00%75.65%-914 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps