PackageTrendsPeer
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Intrepid

Helena, MT · Charter 68495

NCUA · 7 branches

Q2 2026

$310.8MAssets
$212.6MLoans
$268.6MShares
$34.4MNet 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 0.68%, up 46 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.44% of loans (+31 bps YoY).
  • Capital: net worth / assets of 11.06%, up 28 bps from a year ago.
  • Funding: loans stand at 79.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+21 bps YoY

Efficiency Ratio (YTD, annualized)

83.49%-570 bps YoY

Net Worth / Assets

11.06%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.36%0.29%0.65%0.68%+46 bps
Return on Equity2.04%3.36%2.74%5.95%6.12%+408 bps
Net Interest Margin3.73%3.75%3.76%3.91%3.94%+21 bps
Efficiency Ratio89.19%88.18%90.23%83.17%83.49%-570 bps
Growth
Asset Growth (YoY)-2.55%0.84%1.97%2.02%2.33%+488 bps
Loan Growth (YoY)-10.23%-9.67%-8.80%-6.01%-4.48%+575 bps
Share Growth (YoY)-0.76%0.76%3.07%2.79%3.09%+384 bps
Asset Quality
Delinquent Loans / Loans0.12%0.20%0.64%0.49%0.44%+31 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 Capital10.78%10.74%10.76%10.89%11.06%+28 bps
Net Worth / Assets10.78%10.74%10.76%10.89%11.06%+28 bps
Liquidity & Funding
Loans / Shares85.43%84.27%80.85%79.65%79.15%-627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps