PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Billings

Billings, MT · Charter 887

NCUA · 6 branches

Q2 2026

$216.1MAssets
$181.4MLoans
$185.6MShares
$25.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, up 20 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.77% of loans (-51 bps YoY).
  • Capital: net worth / assets of 11.73%, up 27 bps from a year ago.
  • Funding: loans stand at 97.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+30 bps YoY

Efficiency Ratio (YTD, annualized)

88.43%-96 bps YoY

Net Worth / Assets

11.73%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.27%0.28%0.31%0.46%+20 bps
Return on Equity2.26%2.37%2.47%2.70%3.90%+163 bps
Net Interest Margin3.22%3.29%3.29%3.40%3.51%+30 bps
Efficiency Ratio89.39%88.60%88.23%91.04%88.43%-96 bps
Growth
Asset Growth (YoY)3.65%1.69%2.12%-1.87%0.45%-320 bps
Loan Growth (YoY)2.63%1.24%0.81%3.36%2.69%+6 bps
Share Growth (YoY)6.32%3.34%3.13%0.27%2.30%-402 bps
Asset Quality
Delinquent Loans / Loans1.28%1.12%0.69%0.72%0.77%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.46%11.60%11.42%11.47%11.73%+27 bps
Net Worth / Assets11.46%11.60%11.42%11.47%11.73%+27 bps
Liquidity & Funding
Loans / Shares97.36%98.18%95.98%95.47%97.73%+37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps