PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Park Side Financial

Whitefish, MT · Charter 68647

NCUA · 8 branches

Q2 2026

$390.4MAssets
$270.9MLoans
$350.6MShares
$36.6MNet 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 0.67%, up 64 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.20% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.37%, up 10 bps from a year ago.
  • Funding: loans stand at 77.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+64 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+37 bps YoY

Efficiency Ratio (YTD, annualized)

81.58%-1,645 bps YoY

Net Worth / Assets

9.37%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.28%0.23%1.02%0.67%+64 bps
Return on Equity0.33%3.00%2.47%10.97%7.11%+678 bps
Net Interest Margin2.94%3.00%3.06%3.23%3.31%+37 bps
Efficiency Ratio98.03%90.99%91.35%74.63%81.58%-1,645 bps
Growth
Asset Growth (YoY)-3.26%-0.72%0.35%3.97%4.51%+777 bps
Loan Growth (YoY)-5.48%-5.20%-5.36%-5.05%-4.11%+138 bps
Share Growth (YoY)0.36%0.23%0.47%2.85%3.52%+316 bps
Asset Quality
Delinquent Loans / Loans0.12%0.24%0.21%0.54%0.20%+8 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 Capital9.27%9.36%9.32%9.32%9.37%+10 bps
Net Worth / Assets9.27%9.36%9.32%9.32%9.37%+10 bps
Liquidity & Funding
Loans / Shares83.40%80.28%78.39%77.53%77.26%-614 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps