Libby, MT · Charter 63199
NCUA · 2 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 | 1.46% | 1.59% | 1.45% | 1.62% | 1.74% | 1.76% | 2.06% | 2.11% | +49 bps | |
| Return on Equity | 7.07% | 7.40% | 6.79% | 7.54% | 8.12% | 8.15% | 9.57% | 9.74% | +220 bps | |
| Net Interest Margin | 2.47% | 2.64% | 2.90% | 2.93% | 2.91% | 3.00% | 3.08% | 3.14% | +21 bps | |
| Efficiency Ratio | 50.54% | 48.58% | 47.53% | 45.63% | 44.20% | 45.06% | 38.70% | 38.08% | -755 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | -0.17% | 2.38% | 3.30% | 4.77% | 8.47% | 8.59% | 9.32% | +602 bps | |
| Loan Growth (YoY) | 0.38% | -0.87% | -1.45% | -1.86% | -3.57% | -4.48% | -7.07% | -10.02% | -816 bps | |
| Share Growth (YoY) | 0.04% | -2.01% | 1.09% | 2.15% | 3.65% | 8.30% | 8.34% | 9.22% | +707 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.21% | 0.53% | 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 | 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 | 20.64% | 21.51% | 21.34% | 21.46% | 21.46% | 21.59% | 21.54% | 21.61% | +16 bps | |
| Net Worth / Assets | 20.64% | 21.51% | 21.34% | 21.46% | 21.46% | 21.59% | 21.54% | 21.61% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.21% | 54.01% | 52.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |