Helena, MT · Charter 68677
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
66
Profitability
77
Liquidity
87
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Helena, MT · Charter 68677
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.20% | 1.18% | 1.36% | 1.16% | -9 bps | |
| Return on Equity | 9.69% | 9.56% | 9.15% | 10.42% | 8.78% | -91 bps | |
| Net Interest Margin | 4.65% | 4.47% | 4.55% | 4.61% | 4.56% | -9 bps | |
| Efficiency Ratio | 76.92% | 76.99% | 77.83% | 75.64% | 79.00% | +208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.51% | 5.44% | 4.71% | 4.03% | 7.09% | +258 bps | |
| Loan Growth (YoY) | -3.60% | -5.81% | -4.76% | -2.26% | 0.14% | +373 bps | |
| Share Growth (YoY) | 4.08% | 4.64% | 3.87% | 3.16% | 6.83% | +275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 1.11% | 1.31% | 1.03% | 0.40% | -76 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.90% | 12.60% | 12.87% | 13.10% | 13.19% | +29 bps | |
| Net Worth / Assets | 12.90% | 12.60% | 12.87% | 13.10% | 13.19% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.15% | 70.33% | 69.77% | 70.11% | 72.31% | -484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Helena, MT · Charter 68677 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.16%
Rank 442 of 1,683
Net Interest Margin
4.56%
Rank 297 of 1,683
Efficiency Ratio
79.02%
Rank 883 of 1,682
Equity / Assets
13.19%
Rank 785 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 442 / 1,683 | |
| Return on Equity | 8.77% | 2.67% | 5.89% | 8.74% | Beats 75% | 418 / 1,681 | |
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 297 / 1,683 | |
| Efficiency Ratio | 79.02% | 68.91% | 78.20% | 86.93% | Beats 48% | 883 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 571 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.19% | 10.44% | 12.89% | 16.53% | Beats 53% | 785 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.19% | 10.44% | 12.89% | 16.53% | Beats 53% | 785 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.31% | 52.61% | 69.38% | 83.50% | 56th pctl | 747 / 1,683 | |
| Loans / Assets | 62.20% | 44.71% | 59.18% | 70.72% | 57th pctl | 722 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||