Helena, MT · Charter 97110
NCUA · 7 branches
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 | 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 | |