Billings, MT · Charter 68689
NCUA · 12 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 | 1.02% | 1.00% | 0.88% | 0.77% | 0.79% | 0.68% | 0.87% | 0.84% | +7 bps | |
| Return on Equity | 8.91% | 8.84% | 7.88% | 6.83% | 7.17% | 6.35% | 8.19% | 7.90% | +107 bps | |
| Net Interest Margin | 3.58% | 3.55% | 3.63% | 3.73% | 3.60% | 3.55% | 3.56% | 3.59% | -14 bps | |
| Efficiency Ratio | 74.00% | 74.02% | 76.85% | 74.95% | 75.94% | 78.32% | 77.58% | 75.67% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.49% | 15.56% | 13.66% | 12.22% | 12.03% | 12.22% | 12.85% | 13.62% | +140 bps | |
| Loan Growth (YoY) | 18.28% | 15.77% | 16.43% | 10.55% | 9.48% | 10.80% | 7.27% | 15.55% | +500 bps | |
| Share Growth (YoY) | 16.65% | 16.83% | 14.81% | 13.23% | 12.67% | 12.91% | 13.79% | 14.45% | +122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.37% | 0.41% | 0.36% | 0.31% | 0.35% | 0.30% | 0.25% | -11 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 | 11.43% | 11.33% | 11.23% | 11.34% | 10.99% | 10.74% | 10.60% | 10.68% | -66 bps | |
| Net Worth / Assets | 11.43% | 11.33% | 11.23% | 11.34% | 10.99% | 10.74% | 10.60% | 10.68% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.23% | 82.67% | 83.62% | 86.67% | 83.79% | 81.13% | 78.83% | 87.50% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |