PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Montana Community

Anaconda, MT · Charter 4401

NCUA · 4 branches

Q2 2026

$203.3MAssets
$113.7MLoans
$182.7MShares
$23.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.13%, up 58 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.85% of loans (+111 bps YoY).
  • Capital: net worth / assets of 11.63%, up 91 bps from a year ago.
  • Funding: loans stand at 62.20% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.13%+58 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+3 bps YoY

Efficiency Ratio (YTD, annualized)

94.03%+159 bps YoY

Net Worth / Assets

11.63%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.16%1.21%-0.72%0.03%0.45%0.85%-0.13%+58 bps
Return on Equity9.17%8.95%9.41%-6.71%0.24%3.94%7.25%-1.16%+555 bps
Net Interest Margin3.15%3.17%3.13%3.39%3.37%3.45%4.03%3.41%+3 bps
Efficiency Ratio69.76%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 / Loans0.61%0.28%0.31%0.73%1.08%1.41%1.37%1.85%+111 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.80%13.00%12.86%10.72%10.97%11.35%11.79%11.63%+91 bps
Net Worth / Assets12.80%13.00%12.86%10.72%10.97%11.35%11.79%11.63%+91 bps
Liquidity & Funding
Loans / Shares57.20%56.86%57.77%62.47%64.07%63.27%63.42%62.20%-26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps