Libby, MT · Charter 63199
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
78
Profitability
65
Liquidity
11
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Libby, MT · Charter 63199
NCUA · 2 branches
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 | 1.62% | 1.74% | 1.76% | 2.06% | 2.11% | +49 bps | |
| Return on Equity | 7.54% | 8.12% | 8.15% | 9.57% | 9.74% | +220 bps | |
| Net Interest Margin | 2.93% | 2.91% | 3.00% | 3.08% | 3.14% | +21 bps | |
| Efficiency Ratio | 45.63% | 44.20% | 45.06% | 38.70% | 38.08% | -755 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.30% | 4.77% | 8.47% | 8.59% | 9.32% | +602 bps | |
| Loan Growth (YoY) | -1.86% | -3.57% | -4.48% | -7.07% | -10.02% | -816 bps | |
| Share Growth (YoY) | 2.15% | 3.65% | 8.30% | 8.34% | 9.22% | +707 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.55% | 0.59% | 0.17% | 0.22% | +8 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 | 21.46% | 21.46% | 21.59% | 21.54% | 21.61% | +16 bps | |
| Net Worth / Assets | 21.46% | 21.46% | 21.59% | 21.54% | 21.61% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.06% | 48.57% | 47.64% | 45.04% | 42.07% | -899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Libby, MT · Charter 63199 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.11%
Rank 65 of 1,683
Net Interest Margin
3.14%
Rank 1,369 of 1,683
Efficiency Ratio
38.08%
Rank 15 of 1,682
Equity / Assets
21.61%
Rank 172 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 0.35% | 0.74% | 1.18% | Beats 96% | 65 / 1,683 | |
| Return on Equity | 9.74% | 2.67% | 5.89% | 8.74% | Beats 81% | 313 / 1,681 | |
| Net Interest Margin | 3.14% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,369 / 1,683 | |
| Efficiency Ratio | 38.08% | 68.91% | 78.20% | 86.93% | Beats 99% | 15 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 364 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.61% | 10.44% | 12.89% | 16.53% | Beats 90% | 172 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.61% | 10.44% | 12.89% | 16.53% | Beats 90% | 172 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.07% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,466 / 1,683 | |
| Loans / Assets | 32.96% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,504 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||