Butte, MT · Charter 21609
NCUA · 3 branches
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 | 0.63% | 0.84% | 0.89% | 0.87% | 0.91% | 0.92% | 0.48% | 0.59% | -28 bps | |
| Return on Equity | 6.35% | 8.21% | 8.72% | 8.19% | 8.43% | 8.38% | 4.49% | 5.43% | -276 bps | |
| Net Interest Margin | 3.67% | 3.79% | 4.09% | 4.27% | 4.34% | 4.36% | 4.14% | 4.22% | -6 bps | |
| Efficiency Ratio | 84.28% | 80.37% | 81.81% | 81.25% | 80.38% | 80.24% | 87.38% | 86.90% | +564 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.43% | -3.09% | -1.70% | -1.89% | 0.92% | 1.34% | 2.95% | 4.72% | +661 bps | |
| Loan Growth (YoY) | 40.58% | 31.59% | 25.09% | 12.89% | 9.69% | 7.29% | 2.02% | -0.44% | -1,332 bps | |
| Share Growth (YoY) | -6.48% | -3.52% | -2.91% | -2.65% | -0.21% | 0.69% | 2.58% | 4.72% | +738 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.09% | 0.07% | 0.19% | 0.17% | 0.11% | 0.12% | +5 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 | 9.85% | 10.23% | 10.18% | 10.57% | 10.81% | 11.02% | 10.68% | 10.86% | +29 bps | |
| Net Worth / Assets | 9.85% | 10.23% | 10.18% | 10.57% | 10.81% | 11.02% | 10.68% | 10.86% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.05% | 86.24% | 86.89% | 89.75% | 92.39% | 91.89% | 86.42% | 85.32% | -442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |