Billings, MT · Charter 887
NCUA · 6 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
38
Asset Quality
44
Profitability
33
Liquidity
0
Efficiency
22
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.
Billings, MT · Charter 887
NCUA · 6 branches
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 | 0.05% | -0.02% | 0.27% | 0.26% | 0.27% | 0.28% | 0.31% | 0.46% | +20 bps | |
| Return on Equity | 0.42% | -0.15% | 2.48% | 2.26% | 2.37% | 2.47% | 2.70% | 3.90% | +163 bps | |
| Net Interest Margin | 3.13% | 3.10% | 3.09% | 3.22% | 3.29% | 3.29% | 3.40% | 3.51% | +30 bps | |
| Efficiency Ratio | 91.04% | 92.14% | 89.51% | 89.39% | 88.60% | 88.23% | 91.04% | 88.43% | -96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 6.29% | 7.21% | 3.65% | 1.69% | 2.12% | -1.87% | 0.45% | -320 bps | |
| Loan Growth (YoY) | 7.10% | 6.13% | 4.74% | 2.63% | 1.24% | 0.81% | 3.36% | 2.69% | +6 bps | |
| Share Growth (YoY) | 7.31% | 8.90% | 10.52% | 6.32% | 3.34% | 3.13% | 0.27% | 2.30% | -402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.69% | 0.55% | 1.28% | 1.12% | 0.69% | 0.72% | 0.77% | -51 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% | 11.44% | 11.04% | 11.46% | 11.60% | 11.42% | 11.47% | 11.73% | +27 bps | |
| Net Worth / Assets | 11.70% | 11.44% | 11.04% | 11.46% | 11.60% | 11.42% | 11.47% | 11.73% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.21% | 98.19% | 92.61% | 97.36% | 98.18% | 95.98% | 95.47% | 97.73% | +37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Billings, MT · Charter 887 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.46%
Rank 1,177 of 1,683
Net Interest Margin
3.51%
Rank 1,109 of 1,683
Efficiency Ratio
88.43%
Rank 1,321 of 1,682
Equity / Assets
11.73%
Rank 1,039 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.46% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,177 / 1,683 | ||
| Return on Equity | 3.90% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,107 / 1,681 | ||
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,109 / 1,683 | ||
| Efficiency Ratio | 88.43% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,321 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.26% | 0.65% | 1.29% | Beats 44% | 938 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,039 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,039 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.73% | 52.61% | 69.38% | 83.50% | 95th pctl | 81 / 1,683 | ||
| Loans / Assets | 83.93% | 44.71% | 59.18% | 70.72% | 96th pctl | 62 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||