Billings, MT · Charter 63183
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.44% | 1.50% | 1.40% | 1.30% | -13 bps | |
| Return on Equity | 9.91% | 9.65% | 9.98% | 9.44% | 8.67% | -124 bps | |
| Net Interest Margin | 3.59% | 3.67% | 3.65% | 3.45% | 3.50% | -9 bps | |
| Efficiency Ratio | 63.35% | 63.75% | 62.13% | 62.80% | 63.69% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.46% | 5.84% | 2.81% | 5.50% | 6.22% | -24 bps | |
| Loan Growth (YoY) | -5.05% | -2.63% | 2.35% | 6.71% | 0.56% | +561 bps | |
| Share Growth (YoY) | 5.45% | 4.93% | 1.66% | 4.67% | 5.45% | 0 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.30% | 0.35% | 0.07% | 0.15% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.45% | 14.87% | 15.02% | 14.81% | 15.02% | +56 bps | |
| Net Worth / Assets | 14.45% | 14.87% | 15.02% | 14.81% | 15.02% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.36% | 32.99% | 32.80% | 30.98% | 30.86% | -150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |