Helena, MT · Charter 97110
NCUA · 7 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
9
Asset Quality
29
Profitability
26
Liquidity
82
Efficiency
27
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.
Helena, MT · Charter 97110
NCUA · 7 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 | 0.56% | 0.60% | 0.50% | 0.53% | 0.84% | 0.73% | 0.10% | 0.17% | -36 bps | |
| Return on Equity | 6.37% | 7.09% | 5.88% | 6.01% | 9.43% | 8.30% | 1.16% | 1.97% | -403 bps | |
| Net Interest Margin | 3.24% | 3.20% | 3.30% | 3.48% | 3.43% | 3.49% | 3.53% | 3.65% | +17 bps | |
| Efficiency Ratio | 81.74% | 80.44% | 81.24% | 82.43% | 77.34% | 76.80% | 86.73% | 86.16% | +373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.33% | 4.67% | 6.51% | 6.62% | 7.68% | 4.42% | 3.89% | 6.78% | +16 bps | |
| Loan Growth (YoY) | -8.06% | -8.94% | -7.55% | -5.28% | -2.09% | 2.76% | 5.15% | 5.56% | +1,084 bps | |
| Share Growth (YoY) | -2.71% | 1.05% | 0.88% | 1.18% | 3.05% | 3.72% | 3.59% | 7.23% | +605 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.05% | 1.02% | 0.96% | 1.04% | 1.13% | 1.09% | 1.15% | +18 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 | 8.82% | 8.51% | 8.50% | 8.82% | 8.93% | 8.80% | 8.72% | 8.74% | -9 bps | |
| Net Worth / Assets | 8.82% | 8.51% | 8.50% | 8.82% | 8.93% | 8.80% | 8.72% | 8.74% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.46% | 74.09% | 71.75% | 74.73% | 73.59% | 73.41% | 72.83% | 73.56% | -116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Helena, MT · Charter 97110 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.17%
Rank 1,405 of 1,683
Net Interest Margin
3.65%
Rank 988 of 1,683
Efficiency Ratio
86.17%
Rank 1,232 of 1,682
Equity / Assets
8.74%
Rank 1,538 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,405 / 1,683 | ||
| Return on Equity | 1.98% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,348 / 1,681 | ||
| Net Interest Margin | 3.65% | 3.31% | 3.82% | 4.32% | Beats 41% | 988 / 1,683 | ||
| Efficiency Ratio | 86.17% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,232 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.15% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,202 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.74% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,538 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.74% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,538 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.56% | 52.61% | 69.38% | 83.50% | 58th pctl | 708 / 1,683 | ||
| Loans / Assets | 63.22% | 44.71% | 59.18% | 70.72% | 59th pctl | 691 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||