Sidney, MT · Charter 3391
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.63% | 1.28% | 1.20% | 1.18% | 0.68% | 1.24% | 1.24% | +5 bps | |
| Return on Equity | 5.86% | 4.25% | 8.71% | 7.89% | 7.72% | 4.53% | 8.40% | 8.34% | +44 bps | |
| Net Interest Margin | 3.32% | 3.01% | 3.46% | 3.46% | 3.44% | 3.55% | 3.42% | 3.50% | +4 bps | |
| Efficiency Ratio | 73.98% | 80.77% | 67.17% | 69.33% | 69.60% | 82.55% | 65.61% | 67.46% | -187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 3.50% | 3.65% | 5.77% | 7.48% | 2.92% | 3.41% | 6.18% | +41 bps | |
| Loan Growth (YoY) | 4.80% | 0.16% | 5.54% | -3.66% | -0.58% | -2.73% | -9.75% | -2.82% | +84 bps | |
| Share Growth (YoY) | -2.12% | 3.57% | 3.78% | 6.32% | 8.21% | 3.08% | 3.31% | 6.63% | +31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.84% | 2.93% | 2.66% | 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 | 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 | 15.55% | 14.92% | 14.65% | 15.16% | 15.23% | 15.10% | 14.75% | 14.92% | -25 bps | |
| Net Worth / Assets | 15.55% | 14.92% | 14.65% | 15.16% | 15.23% | 15.10% | 14.75% | 14.92% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.51% | 48.14% | 46.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |