Helena, MT · Charter 68677
NCUA · 2 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 | 1.29% | 1.16% | 1.18% | 1.25% | 1.20% | 1.18% | 1.36% | 1.16% | -9 bps | |
| Return on Equity | 10.61% | 9.48% | 9.51% | 9.69% | 9.56% | 9.15% | 10.42% | 8.78% | -91 bps | |
| Net Interest Margin | 4.44% | 4.50% | 4.52% | 4.65% | 4.47% | 4.55% | 4.61% | 4.56% | -9 bps | |
| Efficiency Ratio | 75.71% | 78.32% | 77.44% | 76.92% | 76.99% | 77.83% | 75.64% | 79.00% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.66% | 1.49% | 3.65% | 4.51% | 5.44% | 4.71% | 4.03% | 7.09% | +258 bps | |
| Loan Growth (YoY) | 0.62% | 0.08% | -2.61% | -3.60% | -5.81% | -4.76% | -2.26% | 0.14% | +373 bps | |
| Share Growth (YoY) | -1.89% | 0.25% | 3.08% | 4.08% | 4.64% | 3.87% | 3.16% | 6.83% | +275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.34% | 0.16% | 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 | 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 | 12.13% | 12.24% | 12.36% | 12.90% | 12.60% | 12.87% | 13.10% | 13.19% | +29 bps | |
| Net Worth / Assets | 12.13% | 12.24% | 12.36% | 12.90% | 12.60% | 12.87% | 13.10% | 13.19% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.13% | 76.10% | 74.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |