PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwestern Energy Employees

Butte, MT · Charter 21609

NCUA · 3 branches

Q2 2026

$35.3MAssets
$26.6MLoans
$31.1MShares
$3.8MNet 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 0.59%, down 28 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.12% of loans (+5 bps YoY).
  • Capital: net worth / assets of 10.86%, up 29 bps from a year ago.
  • Funding: loans stand at 85.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-6 bps YoY

Efficiency Ratio (YTD, annualized)

86.90%+564 bps YoY

Net Worth / Assets

10.86%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.91%0.92%0.48%0.59%-28 bps
Return on Equity8.19%8.43%8.38%4.49%5.43%-276 bps
Net Interest Margin4.27%4.34%4.36%4.14%4.22%-6 bps
Efficiency Ratio81.25%80.38%80.24%87.38%86.90%+564 bps
Growth
Asset Growth (YoY)-1.89%0.92%1.34%2.95%4.72%+661 bps
Loan Growth (YoY)12.89%9.69%7.29%2.02%-0.44%-1,332 bps
Share Growth (YoY)-2.65%-0.21%0.69%2.58%4.72%+738 bps
Asset Quality
Delinquent Loans / Loans0.07%0.19%0.17%0.11%0.12%+5 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 Capital10.57%10.81%11.02%10.68%10.86%+29 bps
Net Worth / Assets10.57%10.81%11.02%10.68%10.86%+29 bps
Liquidity & Funding
Loans / Shares89.75%92.39%91.89%86.42%85.32%-442 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps