Billings Federal Credit Union
Total assets
$218.0M
▼ -1.9% YoY
Shares & deposits
$188.2M
▲ +0.3% YoY
Loans
$179.6M
▲ +3.4% YoY
Members
13,027
▲ +2.0% YoY
ROA (annualized)
0.31%
peers 0.69%
ROE (annualized)
2.70%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.9% | -5.8 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.4 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 2.7% | 5.9% | -3.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 1779, Billings, MT, 59103
- NCUA charter #
- 887
- RSSD ID
- 205878
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $218.0M | $188.2M | $179.6M | $25.0M | $169K | 0.31% | 3.40% | 0.72% | 13,027 |
| Q4 2025 | $217.5M | $184.7M | $177.3M | $24.8M | $613K | 0.28% | 3.29% | 0.69% | 12,985 |
| Q3 2025 | $213.9M | $181.1M | $177.8M | $24.8M | $441K | 0.27% | 3.29% | 1.12% | 12,931 |
| Q2 2025 | $215.1M | $181.4M | $176.6M | $24.6M | $279K | 0.26% | 3.22% | 1.28% | 12,871 |
| Q1 2025 | $222.2M | $187.7M | $173.8M | $24.5M | $152K | 0.27% | 3.09% | 0.55% | 12,773 |
| Q4 2024 | $213.0M | $179.1M | $175.9M | $24.4M | $-37K | -0.02% | 3.10% | 0.69% | 12,721 |
| Q3 2024 | $210.3M | $175.3M | $175.7M | $24.6M | $78K | 0.05% | 3.13% | 1.01% | 12,672 |
| Q2 2024 | $207.5M | $170.6M | $172.1M | $24.5M | $-15K | -0.01% | 3.15% | 1.07% | 12,636 |
Loan mix (Q1 2026): real estate $133.3M · commercial $0 · consumer $33.4M · securities $7.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.62% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 78.7% | 87th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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