Lame Deer, MT · Charter 24943
NCUA · 2 branches
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
19
Asset Quality
3
Profitability
56
Liquidity
0
Efficiency
24
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.
Lame Deer, MT · Charter 24943
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.64% | -3.59% | -1.97% | 0.42% | 0.63% | +627 bps | |
| Return on Equity | -58.64% | -42.26% | -27.51% | 4.96% | 6.41% | +6,505 bps | |
| Net Interest Margin | 4.13% | 3.85% | 3.31% | 3.54% | 4.15% | +2 bps | |
| Efficiency Ratio | 93.31% | 91.21% | 92.69% | 86.61% | 87.35% | -596 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 77.40% | 8.80% | 43.73% | 9.85% | 1.91% | -7,549 bps | |
| Loan Growth (YoY) | -6.24% | -7.63% | -24.63% | -23.44% | -17.30% | -1,105 bps | |
| Share Growth (YoY) | 41.38% | 12.66% | 53.16% | 11.29% | 17.45% | -2,393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.39% | 8.39% | 8.94% | 9.17% | 5.89% | +150 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.61% | 8.50% | 7.16% | 8.39% | 9.88% | +27 bps | |
| Net Worth / Assets | 9.61% | 8.50% | 7.16% | 8.39% | 9.88% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.48% | 21.08% | 13.34% | 15.17% | 17.94% | -754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lame Deer, MT · Charter 24943 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.64%
Rank 969 of 1,683
Net Interest Margin
4.19%
Rank 522 of 1,683
Efficiency Ratio
87.36%
Rank 1,280 of 1,682
Equity / Assets
9.87%
Rank 1,367 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 42% | 969 / 1,683 | |
| Return on Equity | 6.45% | 2.67% | 5.89% | 8.74% | Beats 56% | 747 / 1,681 | |
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 522 / 1,683 | |
| Efficiency Ratio | 87.36% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,280 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.79% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,640 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.87% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,367 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.87% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,367 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 17.94% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,656 / 1,683 | |
| Loans / Assets | 14.92% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,655 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||