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Whitefish Credit Union Association

Whitefish, MT · Charter 61949

NCUA · 7 branches

Q2 2026

$2.1BAssets
$1.4BLoans
$1.8BShares
$261.6MNet 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 0.43%, down 1 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.15% of loans (+3 bps YoY).
  • Capital: net worth / assets of 12.70%, down 13 bps from a year ago.
  • Funding: loans stand at 80.00% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.43%-1 bps YoY

Net Interest Margin (quarter, annualized)

2.44%+20 bps YoY

Efficiency Ratio (quarter, annualized)

81.62%+138 bps YoY

Net Worth / Assets

12.70%-13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.48%0.45%0.38%0.43%-1 bps
Return on Equity3.49%3.78%3.66%3.07%3.41%-7 bps
Net Interest Margin2.24%2.27%2.17%2.31%2.44%+20 bps
Efficiency Ratio80.23%79.52%80.79%83.34%81.62%+138 bps
Growth
Asset Growth (YoY)-5.64%1.69%8.20%3.95%4.77%+1,041 bps
Loan Growth (YoY)0.97%2.17%3.23%6.66%11.56%+1,060 bps
Share Growth (YoY)0.95%1.09%2.28%1.61%2.50%+155 bps
Asset Quality
Delinquent Loans / Loans0.11%0.17%0.16%0.08%0.15%+3 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 Capital12.83%12.80%12.21%12.55%12.70%-13 bps
Net Worth / Assets12.83%12.80%12.21%12.55%12.70%-13 bps
Liquidity & Funding
Loans / Shares73.50%74.54%73.83%76.03%80.00%+650 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps