Great Falls, MT · Charter 4164
NCUA · 4 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 | 1.08% | 1.08% | 0.97% | 1.13% | 1.21% | 1.21% | 0.91% | 0.99% | -14 bps | |
| Return on Equity | 9.40% | 9.40% | 8.40% | 9.53% | 9.83% | 9.75% | 7.34% | 7.88% | -165 bps | |
| Net Interest Margin | 3.58% | 3.55% | 3.72% | 3.86% | 3.99% | 3.94% | 3.87% | 3.94% | +8 bps | |
| Efficiency Ratio | 74.43% | 74.52% | 76.58% | 74.69% | 73.74% | 73.10% | 78.68% | 77.31% | +262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | 5.12% | 4.02% | 4.86% | 3.72% | 3.42% | 3.14% | 3.85% | -102 bps | |
| Loan Growth (YoY) | 5.99% | 2.13% | 2.53% | 4.04% | 4.41% | 9.15% | 6.31% | 3.91% | -13 bps | |
| Share Growth (YoY) | -0.63% | 4.85% | 3.53% | 4.31% | 2.15% | 1.55% | 1.69% | 2.71% | -160 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.31% | 0.22% | 0.30% | 0.32% | 0.52% | 0.28% | 0.26% | -4 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 | 11.54% | 11.54% | 11.53% | 11.84% | 12.32% | 12.36% | 12.35% | 12.53% | +68 bps | |
| Net Worth / Assets | 11.54% | 11.54% | 11.53% | 11.84% | 12.32% | 12.36% | 12.35% | 12.53% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.57% | 74.64% | 74.29% | 77.41% | 80.30% | 80.23% | 77.66% | 78.31% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |