Missoula, MT · Charter 68190
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.93% | 1.26% | 1.36% | 1.34% | 1.32% | 1.26% | 1.51% | +15 bps | |
| Return on Equity | 10.98% | 10.19% | 13.74% | 14.36% | 14.00% | 13.85% | 13.12% | 15.14% | +78 bps | |
| Net Interest Margin | 3.81% | 3.61% | 3.75% | 3.84% | 3.91% | 3.86% | 4.14% | 4.16% | +32 bps | |
| Efficiency Ratio | 78.15% | 78.25% | 71.68% | 71.62% | 72.67% | 72.21% | 73.07% | 68.24% | -338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 13.89% | 16.23% | 15.46% | 13.50% | 11.73% | 10.74% | 10.37% | -509 bps | |
| Loan Growth (YoY) | 19.26% | 2.11% | -1.22% | 5.74% | 6.26% | 16.14% | 12.50% | -0.79% | -653 bps | |
| Share Growth (YoY) | 3.55% | 13.41% | 18.52% | 15.23% | 13.70% | 11.71% | 10.53% | 10.35% | -488 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.12% | 0.25% | 0.02% | 0.64% | 0.46% | 0.00% | 0.38% | +36 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 | 9.14% | 9.16% | 9.18% | 9.47% | 9.55% | 9.52% | 9.61% | 10.01% | +53 bps | |
| Net Worth / Assets | 9.14% | 9.16% | 9.18% | 9.47% | 9.55% | 9.52% | 9.61% | 10.01% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.74% | 75.81% | 76.34% | 78.37% | 82.00% | 78.81% | 77.70% | 70.46% | -791 bps | |
| Liquid Assets / Assets | 95.67% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |