PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Montana Educators'

Missoula, MT · Charter 68190

NCUA · 2 branches

Q2 2026

$35.3MAssets
$22.3MLoans
$31.7MShares
$3.5MNet 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 1.51%, up 15 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.38% of loans (+36 bps YoY).
  • Capital: net worth / assets of 10.01%, up 53 bps from a year ago.
  • Funding: loans stand at 70.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+32 bps YoY

Efficiency Ratio (YTD, annualized)

68.24%-338 bps YoY

Net Worth / Assets

10.01%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.34%1.32%1.26%1.51%+15 bps
Return on Equity14.36%14.00%13.85%13.12%15.14%+78 bps
Net Interest Margin3.84%3.91%3.86%4.14%4.16%+32 bps
Efficiency Ratio71.62%72.67%72.21%73.07%68.24%-338 bps
Growth
Asset Growth (YoY)15.46%13.50%11.73%10.74%10.37%-509 bps
Loan Growth (YoY)5.74%6.26%16.14%12.50%-0.79%-653 bps
Share Growth (YoY)15.23%13.70%11.71%10.53%10.35%-488 bps
Asset Quality
Delinquent Loans / Loans0.02%0.64%0.46%0.00%0.38%+36 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 Capital9.47%9.55%9.52%9.61%10.01%+53 bps
Net Worth / Assets9.47%9.55%9.52%9.61%10.01%+53 bps
Liquidity & Funding
Loans / Shares78.37%82.00%78.81%77.70%70.46%-791 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps