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Fort Peck Community

Fort Peck, MT · Charter 8037

NCUA · 2 branches

Q2 2026

$14.3MAssets
$7.6MLoans
$12.5MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.21%, down 56 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 3.93% of loans (+190 bps YoY).
  • Capital: net worth / assets of 12.41%, down 18 bps from a year ago.
  • Funding: loans stand at 60.78% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.21%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-33 bps YoY

Efficiency Ratio (YTD, annualized)

94.45%+1,335 bps YoY

Net Worth / Assets

12.41%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.08%0.71%0.77%0.91%-0.02%0.19%0.21%-56 bps
Return on Equity7.92%0.69%5.84%6.08%7.28%-0.20%1.59%1.67%-442 bps
Net Interest Margin3.71%3.73%3.56%3.77%3.70%3.74%3.33%3.43%-33 bps
Efficiency Ratio76.40%89.92%81.34%81.10%77.15%81.06%94.66%94.45%+1,335 bps
Growth
Asset Growth (YoY)4.57%-0.73%-4.73%-7.12%-2.67%-2.87%-1.35%-1.04%+607 bps
Loan Growth (YoY)2.05%7.08%7.91%4.14%1.41%-1.59%-4.23%-4.15%-829 bps
Share Growth (YoY)4.59%-0.71%-5.10%-7.80%-3.09%-3.19%-1.46%-0.98%+682 bps
Asset Quality
Delinquent Loans / Loans6.11%5.22%5.31%2.03%2.17%3.26%2.73%3.93%+190 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.18%11.74%12.20%12.59%12.53%12.06%12.22%12.41%-18 bps
Net Worth / Assets12.18%11.74%12.20%12.59%12.53%12.06%12.22%12.41%-18 bps
Liquidity & Funding
Loans / Shares60.01%60.94%62.46%62.79%62.80%61.95%60.70%60.78%-201 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps