PackageTrendsPeer
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Daniels-Sheridan

Scobey, MT · Charter 5063

NCUA · 3 branches

Q2 2026

$92.2MAssets
$53.1MLoans
$80.0MShares
$11.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.13%, down 52 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 1.51% of loans (+120 bps YoY).
  • Capital: net worth / assets of 11.92%, down 196 bps from a year ago.
  • Funding: loans stand at 66.37% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.13%-52 bps YoY

Net Interest Margin (quarter, annualized)

2.39%-74 bps YoY

Efficiency Ratio (quarter, annualized)

95.36%+1,839 bps YoY

Net Worth / Assets

11.92%-196 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.60%0.48%0.16%0.13%-52 bps
Return on Equity4.67%4.59%3.91%1.33%1.06%-361 bps
Net Interest Margin3.12%2.91%2.66%2.31%2.39%-74 bps
Efficiency Ratio76.97%80.54%83.13%94.17%95.36%+1,839 bps
Growth
Asset Growth (YoY)14.29%21.69%26.42%25.60%18.99%+470 bps
Loan Growth (YoY)-0.67%-0.97%-3.35%-1.35%-1.65%-98 bps
Share Growth (YoY)18.38%29.99%32.07%29.10%21.74%+336 bps
Asset Quality
Delinquent Loans / Loans0.31%0.31%0.66%0.71%1.51%+120 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.88%12.97%12.21%11.87%11.92%-196 bps
Net Worth / Assets13.88%12.97%12.21%11.87%11.92%-196 bps
Liquidity & Funding
Loans / Shares82.16%75.81%66.93%64.79%66.37%-1,579 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps