Butte, MT · Charter 19896
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
3
Asset Quality
65
Profitability
20
Liquidity
68
Efficiency
25
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.
Butte, MT · Charter 19896
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 | 1.06% | 1.01% | 0.79% | 0.89% | 0.77% | 0.67% | -0.50% | 0.18% | -71 bps | |
| Return on Equity | 12.02% | 11.62% | 9.56% | 10.36% | 9.01% | 8.03% | -6.57% | 2.24% | -811 bps | |
| Net Interest Margin | 3.57% | 3.40% | 3.15% | 3.37% | 3.38% | 3.32% | 3.10% | 3.17% | -20 bps | |
| Efficiency Ratio | 76.22% | 76.80% | 81.29% | 80.18% | 82.66% | 82.73% | 94.70% | 87.16% | +699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | 2.93% | 11.97% | 12.36% | 14.26% | 13.68% | 11.96% | 13.85% | +148 bps | |
| Loan Growth (YoY) | 23.48% | 20.00% | 17.38% | 5.60% | 3.44% | 4.03% | 1.77% | 10.49% | +489 bps | |
| Share Growth (YoY) | -4.80% | 1.93% | 11.33% | 11.85% | 14.14% | 14.46% | 13.32% | 15.18% | +332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.00% | 0.03% | 0.13% | 0.11% | 0.02% | 0.41% | +38 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 | 8.85% | 8.70% | 8.24% | 8.58% | 8.55% | 8.32% | 7.68% | 7.85% | -72 bps | |
| Net Worth / Assets | 8.85% | 8.70% | 8.24% | 8.58% | 8.55% | 8.32% | 7.68% | 7.85% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.70% | 80.08% | 75.34% | 79.99% | 76.76% | 72.78% | 67.66% | 76.73% | -325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Butte, MT · Charter 19896 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.18%
Rank 1,401 of 1,683
Net Interest Margin
3.17%
Rank 1,353 of 1,683
Efficiency Ratio
87.07%
Rank 1,267 of 1,682
Equity / Assets
7.86%
Rank 1,632 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,401 / 1,683 | ||
| Return on Equity | 2.23% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,319 / 1,681 | ||
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,353 / 1,683 | ||
| Efficiency Ratio | 87.07% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,267 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 591 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.86% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,632 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.86% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,632 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.73% | 52.61% | 69.38% | 83.50% | 63rd pctl | 619 / 1,683 | ||
| Loans / Assets | 69.78% | 44.71% | 59.18% | 70.72% | 73rd pctl | 453 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||