Helena, MT · Charter 68495
NCUA · 7 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 | 0.39% | 0.20% | 0.29% | 0.22% | 0.36% | 0.29% | 0.65% | 0.68% | +46 bps | |
| Return on Equity | 3.62% | 1.86% | 2.66% | 2.04% | 3.36% | 2.74% | 5.95% | 6.12% | +408 bps | |
| Net Interest Margin | 3.53% | 3.61% | 3.69% | 3.73% | 3.75% | 3.76% | 3.91% | 3.94% | +21 bps | |
| Efficiency Ratio | 86.20% | 88.59% | 88.73% | 89.19% | 88.18% | 90.23% | 83.17% | 83.49% | -570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.28% | -3.58% | -3.28% | -2.55% | 0.84% | 1.97% | 2.02% | 2.33% | +488 bps | |
| Loan Growth (YoY) | 5.19% | -7.70% | -7.38% | -10.23% | -9.67% | -8.80% | -6.01% | -4.48% | +575 bps | |
| Share Growth (YoY) | 10.24% | -2.57% | -2.08% | -0.76% | 0.76% | 3.07% | 2.79% | 3.09% | +384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.24% | 0.13% | 0.12% | 0.20% | 0.64% | 0.49% | 0.44% | +31 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 | 10.69% | 10.71% | 10.76% | 10.78% | 10.74% | 10.76% | 10.89% | 11.06% | +28 bps | |
| Net Worth / Assets | 10.69% | 10.71% | 10.76% | 10.78% | 10.74% | 10.76% | 10.89% | 11.06% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.00% | 91.38% | 87.11% | 85.43% | 84.27% | 80.85% | 79.65% | 79.15% | -627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |