Whitefish, MT · Charter 68647
NCUA · 8 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 | -0.08% | 0.00% | -0.18% | 0.03% | 0.28% | 0.23% | 1.02% | 0.67% | +64 bps | |
| Return on Equity | -0.84% | 0.04% | -2.01% | 0.33% | 3.00% | 2.47% | 10.97% | 7.11% | +678 bps | |
| Net Interest Margin | 2.59% | 2.63% | 2.82% | 2.94% | 3.00% | 3.06% | 3.23% | 3.31% | +37 bps | |
| Efficiency Ratio | 100.85% | 98.28% | 104.00% | 98.03% | 90.99% | 91.35% | 74.63% | 81.58% | -1,645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.65% | -5.19% | -4.53% | -3.26% | -0.72% | 0.35% | 3.97% | 4.51% | +777 bps | |
| Loan Growth (YoY) | -9.25% | -10.42% | -7.84% | -5.48% | -5.20% | -5.36% | -5.05% | -4.11% | +138 bps | |
| Share Growth (YoY) | -5.60% | -0.63% | 0.08% | 0.36% | 0.23% | 0.47% | 2.85% | 3.52% | +316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.27% | 0.29% | 0.12% | 0.24% | 0.21% | 0.54% | 0.20% | +8 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 | 9.07% | 9.16% | 9.19% | 9.27% | 9.36% | 9.32% | 9.32% | 9.37% | +10 bps | |
| Net Worth / Assets | 9.07% | 9.16% | 9.19% | 9.27% | 9.36% | 9.32% | 9.32% | 9.37% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.87% | 83.22% | 83.98% | 83.40% | 80.28% | 78.39% | 77.53% | 77.26% | -614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |