Butte, MT · Charter 19896
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |