Glendive, MT · Charter 7716
NCUA · 1 branch
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
90
Asset Quality
100
Profitability
70
Liquidity
47
Efficiency
76
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.
Glendive, MT · Charter 7716
NCUA · 1 branch
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 | 1.36% | 1.60% | 1.37% | 1.33% | 1.49% | +14 bps | |
| Return on Equity | 6.79% | 7.65% | 6.42% | 6.43% | 6.94% | +15 bps | |
| Net Interest Margin | 3.86% | 3.99% | 4.10% | 3.96% | 4.11% | +25 bps | |
| Efficiency Ratio | 68.95% | 65.29% | 70.98% | 69.70% | 67.88% | -108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | -1.54% | -5.37% | 1.02% | -0.66% | -174 bps | |
| Loan Growth (YoY) | 9.58% | 10.87% | 8.51% | 8.82% | 8.28% | -129 bps | |
| Share Growth (YoY) | -0.48% | -3.55% | -8.24% | -0.30% | -2.34% | -186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | -16 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 | 19.97% | 20.86% | 21.38% | 20.74% | 21.50% | +153 bps | |
| Net Worth / Assets | 19.97% | 20.86% | 21.38% | 20.74% | 21.50% | +153 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.45% | 78.08% | 80.79% | 77.41% | 81.44% | +799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Glendive, MT · Charter 7716 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.49%
Rank 251 of 1,683
Net Interest Margin
4.10%
Rank 594 of 1,683
Efficiency Ratio
68.04%
Rank 397 of 1,682
Equity / Assets
21.50%
Rank 175 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 0.35% | 0.74% | 1.18% | Beats 85% | 251 / 1,683 | |
| Return on Equity | 6.93% | 2.67% | 5.89% | 8.74% | Beats 60% | 667 / 1,681 | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 594 / 1,683 | |
| Efficiency Ratio | 68.04% | 68.91% | 78.20% | 86.93% | Beats 76% | 397 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.50% | 10.44% | 12.89% | 16.53% | Beats 90% | 175 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.50% | 10.44% | 12.89% | 16.53% | Beats 90% | 175 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.44% | 52.61% | 69.38% | 83.50% | 72nd pctl | 472 / 1,683 | |
| Loans / Assets | 63.73% | 44.71% | 59.18% | 70.72% | 60th pctl | 674 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||