Great Falls, MT · Charter 5387
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.38% | 0.12% | 0.22% | 0.34% | 0.33% | 0.27% | 0.17% | -4 bps | |
| Return on Equity | 4.99% | 4.46% | 1.54% | 2.74% | 4.30% | 4.31% | 3.61% | 2.26% | -48 bps | |
| Net Interest Margin | 3.08% | 3.15% | 3.09% | 3.14% | 3.22% | 3.09% | 3.23% | 3.37% | +23 bps | |
| Efficiency Ratio | 86.50% | 85.60% | 90.29% | 90.30% | 88.02% | 86.91% | 91.46% | 92.55% | +225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.75% | 3.75% | 4.28% | 10.23% | 11.83% | 17.10% | 13.95% | 7.57% | -266 bps | |
| Loan Growth (YoY) | 0.55% | 6.40% | 15.29% | 24.88% | 23.14% | 17.23% | 8.77% | -1.50% | -2,638 bps | |
| Share Growth (YoY) | 0.34% | 3.69% | 4.20% | 7.92% | 12.55% | 18.27% | 14.72% | 10.63% | +271 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.42% | 0.33% | 0.62% | 0.81% | 1.28% | 1.12% | 1.12% | +51 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 | 0.13% | 0.15% | 0.15% | 0.19% | 0.16% | 0.00% | 0.00% | 0.00% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.50% | 8.48% | 8.11% | 7.84% | 7.91% | 7.57% | 7.48% | 7.60% | -24 bps | |
| Net Worth / Assets | 8.50% | 8.48% | 8.11% | 7.84% | 7.91% | 7.57% | 7.48% | 7.60% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.14% | 90.61% | 92.24% | 98.37% | 96.42% | 89.82% | 87.45% | 87.58% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |