Lewistown, MT · Charter 8881
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.30% | 1.72% | 1.53% | 1.68% | 1.67% | 1.99% | 2.00% | +47 bps | |
| Return on Equity | 14.36% | 10.83% | 14.00% | 12.18% | 12.83% | 13.04% | 14.85% | 14.19% | +201 bps | |
| Net Interest Margin | 3.66% | 3.60% | 3.80% | 3.92% | 4.04% | 3.92% | 4.23% | 4.34% | +42 bps | |
| Efficiency Ratio | 61.64% | 71.08% | 61.82% | 61.82% | 62.45% | 62.51% | 59.51% | 59.39% | -243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.48% | 8.16% | 6.50% | 9.60% | 6.26% | 7.50% | 5.18% | 3.27% | -633 bps | |
| Loan Growth (YoY) | 4.26% | 4.65% | 4.77% | 7.33% | 8.42% | 9.86% | 9.63% | 10.39% | +307 bps | |
| Share Growth (YoY) | 4.64% | 7.86% | 6.14% | 9.86% | 5.60% | 6.77% | 3.80% | 1.43% | -842 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.30% | 0.78% | 0.88% | 0.78% | 0.57% | 0.30% | 0.56% | -32 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 | 12.58% | 12.00% | 12.27% | 12.53% | 13.07% | 12.80% | 13.42% | 14.07% | +154 bps | |
| Net Worth / Assets | 12.58% | 12.00% | 12.27% | 12.53% | 13.07% | 12.80% | 13.42% | 14.07% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.33% | 79.63% | 80.87% | 85.27% | 87.60% | 81.94% | 85.41% | 92.80% | +753 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.24% | 98.96% | 0.00% | 0.00% | 0 bps | |