PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lincoln County

Libby, MT · Charter 63199

NCUA · 2 branches

Q2 2026

$186.6MAssets
$61.5MLoans
$146.2MShares
$40.3MNet 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 2.11%, up 49 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.22% of loans (+8 bps YoY).
  • Capital: net worth / assets of 21.61%, up 16 bps from a year ago.
  • Funding: loans stand at 42.07% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.11%+49 bps YoY

Net Interest Margin (quarter, annualized)

3.14%+21 bps YoY

Efficiency Ratio (quarter, annualized)

38.08%-755 bps YoY

Net Worth / Assets

21.61%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.74%1.76%2.06%2.11%+49 bps
Return on Equity7.54%8.12%8.15%9.57%9.74%+220 bps
Net Interest Margin2.93%2.91%3.00%3.08%3.14%+21 bps
Efficiency Ratio45.63%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 / Loans0.15%0.55%0.59%0.17%0.22%+8 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 Capital21.46%21.46%21.59%21.54%21.61%+16 bps
Net Worth / Assets21.46%21.46%21.59%21.54%21.61%+16 bps
Liquidity & Funding
Loans / Shares51.06%48.57%47.64%45.04%42.07%-899 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps