PackageTrendsPeer
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Butte Community

Butte, MT · Charter 19896

NCUA · 1 branch

Q2 2026

$37.7MAssets
$26.3MLoans
$34.2MShares
$3.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.18%, down 71 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.41% of loans (+38 bps YoY).
  • Capital: net worth / assets of 7.85%, down 72 bps from a year ago.
  • Funding: loans stand at 76.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.18%-71 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-20 bps YoY

Efficiency Ratio (YTD, annualized)

87.16%+699 bps YoY

Net Worth / Assets

7.85%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.01%0.79%0.89%0.77%0.67%-0.50%0.18%-71 bps
Return on Equity12.02%11.62%9.56%10.36%9.01%8.03%-6.57%2.24%-811 bps
Net Interest Margin3.57%3.40%3.15%3.37%3.38%3.32%3.10%3.17%-20 bps
Efficiency Ratio76.22%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 / Loans0.00%0.12%0.00%0.03%0.13%0.11%0.02%0.41%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.85%8.70%8.24%8.58%8.55%8.32%7.68%7.85%-72 bps
Net Worth / Assets8.85%8.70%8.24%8.58%8.55%8.32%7.68%7.85%-72 bps
Liquidity & Funding
Loans / Shares84.70%80.08%75.34%79.99%76.76%72.78%67.66%76.73%-325 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps