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 | |