Miles City, MT · Charter 8588
NCUA · 2 branches
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
33
Asset Quality
19
Profitability
68
Liquidity
3
Efficiency
30
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.
Miles City, MT · Charter 8588
NCUA · 2 branches
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 | 0.23% | 0.61% | 0.59% | 1.08% | 0.79% | +56 bps | |
| Return on Equity | 2.07% | 5.41% | 5.24% | 9.99% | 7.05% | +498 bps | |
| Net Interest Margin | 4.69% | 4.81% | 4.83% | 5.01% | 4.94% | +25 bps | |
| Efficiency Ratio | 91.13% | 83.96% | 83.47% | 81.41% | 84.80% | -633 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 5.50% | 6.40% | 6.35% | 5.39% | +30 bps | |
| Loan Growth (YoY) | 4.88% | 4.83% | 2.15% | 4.54% | 2.19% | -269 bps | |
| Share Growth (YoY) | 5.44% | 5.21% | 5.57% | 7.39% | 4.41% | -102 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.56% | 1.90% | 1.06% | 1.07% | 1.60% | -96 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 | 10.98% | 11.25% | 11.27% | 10.79% | 11.14% | +16 bps | |
| Net Worth / Assets | 10.98% | 11.25% | 11.27% | 10.79% | 11.14% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.35% | 94.25% | 91.59% | 85.26% | 91.36% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Miles City, MT · Charter 8588 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.78%
Rank 796 of 1,683
Net Interest Margin
4.94%
Rank 157 of 1,683
Efficiency Ratio
84.82%
Rank 1,177 of 1,682
Equity / Assets
11.14%
Rank 1,121 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 53% | 796 / 1,683 | |
| Return on Equity | 7.03% | 2.67% | 5.89% | 8.74% | Beats 61% | 651 / 1,681 | |
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 157 / 1,683 | |
| Efficiency Ratio | 84.82% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,177 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.60% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,369 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,121 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,121 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.36% | 52.61% | 69.38% | 83.50% | 89th pctl | 188 / 1,683 | |
| Loans / Assets | 79.68% | 44.71% | 59.18% | 70.72% | 91st pctl | 144 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||