Glendive, MT · Charter 4227
NCUA · 1 branch
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
4
Asset Quality
22
Profitability
35
Liquidity
0
Efficiency
39
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.
Glendive, MT · Charter 4227
NCUA · 1 branch
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 | 0.18% | 0.15% | 0.25% | 0.12% | 0.19% | 0.16% | 0.43% | 0.49% | +38 bps | |
| Return on Equity | 2.35% | 1.95% | 3.33% | 1.52% | 2.48% | 2.10% | 5.64% | 6.14% | +462 bps | |
| Net Interest Margin | 2.48% | 2.58% | 2.69% | 2.87% | 2.78% | 2.72% | 2.92% | 3.17% | +30 bps | |
| Efficiency Ratio | 93.46% | 93.74% | 89.43% | 89.69% | 89.68% | 90.35% | 81.74% | 81.74% | -795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | -0.31% | 6.05% | 5.48% | 1.04% | 5.40% | 1.23% | -1.38% | -686 bps | |
| Loan Growth (YoY) | 16.05% | -2.41% | -6.17% | -5.71% | -6.29% | -2.16% | 1.49% | 2.12% | +783 bps | |
| Share Growth (YoY) | 2.39% | 1.10% | 4.49% | 3.49% | -0.21% | 4.15% | 0.75% | -1.56% | -506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 1.16% | 0.81% | 0.66% | 0.72% | 1.34% | 1.04% | 1.45% | +79 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 | 7.55% | 7.70% | 7.56% | 7.62% | 7.60% | 7.43% | 7.65% | 8.06% | +43 bps | |
| Net Worth / Assets | 7.55% | 7.70% | 7.56% | 7.62% | 7.60% | 7.43% | 7.65% | 8.06% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.01% | 31.28% | 30.34% | 31.21% | 31.00% | 29.39% | 30.57% | 32.37% | +117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Glendive, MT · Charter 4227 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.50%
Rank 1,143 of 1,683
Net Interest Margin
3.16%
Rank 1,358 of 1,683
Efficiency Ratio
81.87%
Rank 1,027 of 1,682
Equity / Assets
8.06%
Rank 1,620 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,143 / 1,683 | ||
| Return on Equity | 6.15% | 2.67% | 5.89% | 8.74% | Beats 53% | 794 / 1,681 | ||
| Net Interest Margin | 3.16% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,358 / 1,683 | ||
| Efficiency Ratio | 81.87% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,027 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.45% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,308 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,620 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,620 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.37% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,580 / 1,683 | ||
| Loans / Assets | 29.79% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,556 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||