Laurel, MT · Charter 7405
NCUA · 1 branch
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 | 1.27% | 1.25% | 0.72% | 1.22% | 0.94% | 0.90% | 1.39% | 0.85% | -37 bps | |
| Return on Equity | 10.83% | 10.99% | 6.32% | 9.94% | 7.57% | 7.29% | 11.06% | 6.71% | -323 bps | |
| Net Interest Margin | 4.05% | 3.89% | 3.88% | 4.11% | 4.15% | 4.09% | 3.81% | 3.93% | -18 bps | |
| Efficiency Ratio | 66.13% | 67.58% | 63.79% | 64.14% | 66.89% | 70.15% | 71.15% | 73.31% | +917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.46% | 10.79% | 10.78% | 7.00% | 1.74% | -1.27% | -2.35% | 2.20% | -480 bps | |
| Loan Growth (YoY) | -0.42% | 1.51% | 2.61% | 1.26% | -2.08% | 0.40% | 2.25% | 1.07% | -18 bps | |
| Share Growth (YoY) | 3.44% | 10.65% | 10.52% | 6.39% | 0.98% | -2.21% | -3.72% | 1.66% | -473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.57% | 0.18% | 0.53% | 0.42% | 0.41% | 0.26% | 0.75% | +23 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 | 11.70% | 11.40% | 11.34% | 12.27% | 12.46% | 12.35% | 12.57% | 12.63% | +35 bps | |
| Net Worth / Assets | 11.70% | 11.40% | 11.34% | 12.27% | 12.46% | 12.35% | 12.57% | 12.63% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.75% | 77.05% | 74.67% | 79.46% | 79.27% | 79.10% | 79.30% | 79.00% | -46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |