PackageTrendsPeer
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Rocky Mountain

Helena, MT · Charter 97110

NCUA · 7 branches

Q2 2026

$426.5MAssets
$269.6MLoans
$366.6MShares
$37.3MNet 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 0.17%, down 36 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 1.15% of loans (+18 bps YoY).
  • Capital: net worth / assets of 8.74%, down 9 bps from a year ago.
  • Funding: loans stand at 73.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+17 bps YoY

Efficiency Ratio (YTD, annualized)

86.16%+373 bps YoY

Net Worth / Assets

8.74%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.84%0.73%0.10%0.17%-36 bps
Return on Equity6.01%9.43%8.30%1.16%1.97%-403 bps
Net Interest Margin3.48%3.43%3.49%3.53%3.65%+17 bps
Efficiency Ratio82.43%77.34%76.80%86.73%86.16%+373 bps
Growth
Asset Growth (YoY)6.62%7.68%4.42%3.89%6.78%+16 bps
Loan Growth (YoY)-5.28%-2.09%2.76%5.15%5.56%+1,084 bps
Share Growth (YoY)1.18%3.05%3.72%3.59%7.23%+605 bps
Asset Quality
Delinquent Loans / Loans0.96%1.04%1.13%1.09%1.15%+18 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 Capital8.82%8.93%8.80%8.72%8.74%-9 bps
Net Worth / Assets8.82%8.93%8.80%8.72%8.74%-9 bps
Liquidity & Funding
Loans / Shares74.73%73.59%73.41%72.83%73.56%-116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps