Whitefish, MT · Charter 61949
NCUA · 7 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 | 0.14% | 0.12% | 0.29% | 0.45% | 0.48% | 0.45% | 0.38% | 0.43% | -1 bps | |
| Return on Equity | 1.12% | 0.91% | 2.31% | 3.49% | 3.78% | 3.66% | 3.07% | 3.41% | -7 bps | |
| Net Interest Margin | 1.85% | 1.88% | 2.13% | 2.24% | 2.27% | 2.17% | 2.31% | 2.44% | +20 bps | |
| Efficiency Ratio | 91.43% | 91.08% | 85.41% | 80.23% | 79.52% | 80.79% | 83.34% | 81.62% | +138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.57% | -6.67% | -4.12% | -5.64% | 1.69% | 8.20% | 3.95% | 4.77% | +1,041 bps | |
| Loan Growth (YoY) | -0.10% | 0.41% | 1.20% | 0.97% | 2.17% | 3.23% | 6.66% | 11.56% | +1,060 bps | |
| Share Growth (YoY) | 3.79% | 0.96% | 2.42% | 0.95% | 1.09% | 2.28% | 1.61% | 2.50% | +155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.13% | 0.21% | 0.11% | 0.17% | 0.16% | 0.08% | 0.15% | +3 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 | 12.65% | 12.73% | 12.55% | 12.83% | 12.80% | 12.21% | 12.55% | 12.70% | -13 bps | |
| Net Worth / Assets | 12.65% | 12.73% | 12.55% | 12.83% | 12.80% | 12.21% | 12.55% | 12.70% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.75% | 73.15% | 72.43% | 73.50% | 74.54% | 73.83% | 76.03% | 80.00% | +650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |