Scobey, MT · Charter 5063
NCUA · 3 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
40
Asset Quality
21
Profitability
11
Liquidity
90
Efficiency
10
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.
Scobey, MT · Charter 5063
NCUA · 3 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 | 0.68% | 0.63% | 1.06% | 0.65% | 0.60% | 0.48% | 0.16% | 0.13% | -52 bps | |
| Return on Equity | 4.48% | 4.23% | 7.32% | 4.67% | 4.59% | 3.91% | 1.33% | 1.06% | -361 bps | |
| Net Interest Margin | 3.90% | 3.79% | 3.27% | 3.12% | 2.91% | 2.66% | 2.31% | 2.39% | -74 bps | |
| Efficiency Ratio | 70.70% | 72.36% | 74.78% | 76.97% | 80.54% | 83.13% | 94.17% | 95.36% | +1,839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 5.62% | 6.24% | 14.29% | 21.69% | 26.42% | 25.60% | 18.99% | +470 bps | |
| Loan Growth (YoY) | 14.72% | 8.12% | 1.73% | -0.67% | -0.97% | -3.35% | -1.35% | -1.65% | -98 bps | |
| Share Growth (YoY) | -2.05% | 5.61% | 7.12% | 18.38% | 29.99% | 32.07% | 29.10% | 21.74% | +336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.51% | 0.22% | 0.31% | 0.31% | 0.66% | 0.71% | 1.51% | +120 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 | 15.10% | 14.84% | 14.55% | 13.88% | 12.97% | 12.21% | 11.87% | 11.92% | -196 bps | |
| Net Worth / Assets | 15.10% | 14.84% | 14.55% | 13.88% | 12.97% | 12.21% | 11.87% | 11.92% | -196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.52% | 91.46% | 84.78% | 82.16% | 75.81% | 66.93% | 64.79% | 66.37% | -1,579 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Scobey, MT · Charter 5063 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.13%
Rank 1,428 of 1,683
Net Interest Margin
2.38%
Rank 1,631 of 1,683
Efficiency Ratio
95.44%
Rank 1,516 of 1,682
Equity / Assets
11.92%
Rank 1,007 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 15% | 1,428 / 1,683 | ||
| Return on Equity | 1.06% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,423 / 1,681 | ||
| Net Interest Margin | 2.38% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,631 / 1,683 | ||
| Efficiency Ratio | 95.44% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,516 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,326 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.92% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,007 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.92% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,007 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.37% | 52.61% | 69.38% | 83.50% | 44th pctl | 939 / 1,683 | ||
| Loans / Assets | 57.63% | 44.71% | 59.18% | 70.72% | 47th pctl | 896 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||