PackageTrendsPeer
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Rimrock

Billings, MT · Charter 63183

NCUA · 1 branch

Q2 2026

$64.0MAssets
$16.6MLoans
$53.8MShares
$9.6MNet 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 1.30%, down 13 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.15% of loans (+4 bps YoY).
  • Capital: net worth / assets of 15.02%, up 56 bps from a year ago.
  • Funding: loans stand at 30.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.30%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.50%-9 bps YoY

Efficiency Ratio (quarter, annualized)

63.69%+34 bps YoY

Net Worth / Assets

15.02%+56 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.44%1.50%1.40%1.30%-13 bps
Return on Equity9.91%9.65%9.98%9.44%8.67%-124 bps
Net Interest Margin3.59%3.67%3.65%3.45%3.50%-9 bps
Efficiency Ratio63.35%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 / Loans0.11%0.30%0.35%0.07%0.15%+4 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 Capital14.45%14.87%15.02%14.81%15.02%+56 bps
Net Worth / Assets14.45%14.87%15.02%14.81%15.02%+56 bps
Liquidity & Funding
Loans / Shares32.36%32.99%32.80%30.98%30.86%-150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps