Sidney, MT · Charter 3391
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
67
Asset Quality
83
Profitability
61
Liquidity
16
Efficiency
78
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.
Sidney, MT · Charter 3391
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 | 1.20% | 1.18% | 0.68% | 1.24% | 1.24% | +5 bps | |
| Return on Equity | 7.89% | 7.72% | 4.53% | 8.40% | 8.34% | +44 bps | |
| Net Interest Margin | 3.46% | 3.44% | 3.55% | 3.42% | 3.50% | +4 bps | |
| Efficiency Ratio | 69.33% | 69.60% | 82.55% | 65.61% | 67.46% | -187 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 7.48% | 2.92% | 3.41% | 6.18% | +41 bps | |
| Loan Growth (YoY) | -3.66% | -0.58% | -2.73% | -9.75% | -2.82% | +84 bps | |
| Share Growth (YoY) | 6.32% | 8.21% | 3.08% | 3.31% | 6.63% | +31 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.07% | 0.07% | 0.24% | 0.14% | -115 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 | 15.16% | 15.23% | 15.10% | 14.75% | 14.92% | -25 bps | |
| Net Worth / Assets | 15.16% | 15.23% | 15.10% | 14.75% | 14.92% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.68% | 48.25% | 45.43% | 40.21% | 43.45% | -423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sidney, MT · Charter 3391 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.24%
Rank 378 of 1,683
Net Interest Margin
3.51%
Rank 1,118 of 1,683
Efficiency Ratio
67.48%
Rank 376 of 1,682
Equity / Assets
14.92%
Rank 558 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 0.35% | 0.74% | 1.18% | Beats 78% | 378 / 1,683 | |
| Return on Equity | 8.34% | 2.67% | 5.89% | 8.74% | Beats 72% | 467 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,118 / 1,683 | |
| Efficiency Ratio | 67.48% | 68.91% | 78.20% | 86.93% | Beats 78% | 376 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 285 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.92% | 10.44% | 12.89% | 16.53% | Beats 67% | 558 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.92% | 10.44% | 12.89% | 16.53% | Beats 67% | 558 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.45% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,436 / 1,683 | |
| Loans / Assets | 36.95% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,424 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||