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 | |