Anaconda, MT · Charter 4401
NCUA · 4 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
37
Asset Quality
16
Profitability
16
Liquidity
77
Efficiency
12
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.
Anaconda, MT · Charter 4401
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 | 1.17% | 1.16% | 1.21% | -0.72% | 0.03% | 0.45% | 0.85% | -0.13% | +58 bps | |
| Return on Equity | 9.17% | 8.95% | 9.41% | -6.71% | 0.24% | 3.94% | 7.25% | -1.16% | +555 bps | |
| Net Interest Margin | 3.15% | 3.17% | 3.13% | 3.39% | 3.37% | 3.45% | 4.03% | 3.41% | +3 bps | |
| Efficiency Ratio | 69.76% | 70.03% | 69.00% | 92.44% | 82.68% | 76.32% | 70.78% | 94.03% | +159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | 2.91% | 7.25% | 36.44% | 38.21% | 37.82% | 30.53% | -0.04% | -3,648 bps | |
| Loan Growth (YoY) | 11.34% | 9.22% | 12.98% | 56.95% | 56.17% | 52.52% | 42.83% | -2.55% | -5,950 bps | |
| Share Growth (YoY) | -1.14% | 2.42% | 6.19% | 37.66% | 39.43% | 37.08% | 30.10% | -2.14% | -3,979 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.28% | 0.31% | 0.73% | 1.08% | 1.41% | 1.37% | 1.85% | +111 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 | 12.80% | 13.00% | 12.86% | 10.72% | 10.97% | 11.35% | 11.79% | 11.63% | +91 bps | |
| Net Worth / Assets | 12.80% | 13.00% | 12.86% | 10.72% | 10.97% | 11.35% | 11.79% | 11.63% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.20% | 56.86% | 57.77% | 62.47% | 64.07% | 63.27% | 63.42% | 62.20% | -26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anaconda, MT · Charter 4401 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
-0.13%
Rank 1,519 of 1,683
Net Interest Margin
3.41%
Rank 1,191 of 1,683
Efficiency Ratio
94.02%
Rank 1,484 of 1,682
Equity / Assets
11.63%
Rank 1,056 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.13% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,519 / 1,683 | ||
| Return on Equity | -1.16% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,526 / 1,681 | ||
| Net Interest Margin | 3.41% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,191 / 1,683 | ||
| Efficiency Ratio | 94.02% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,484 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.84% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,420 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,056 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,056 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.20% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,045 / 1,683 | ||
| Loans / Assets | 55.90% | 44.71% | 59.18% | 70.72% | 43rd pctl | 958 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||