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 | |