| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.1% | +0.9% | -0.8 pts |
| Loan growth (YoY) | -2.4% | -2.6% | +0.2 pts |
| ROA | 0.60% | 0.65% | -0.0 pts |
| ROE | 7.0% | 4.4% | +2.6 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.9M | $17.2M | $8.1M | $1.6M | $57K | 0.60% | 4.24% | 0.59% | 2,127 |
| Q1 2026 | $18.6M | $17.0M | $7.9M | $1.6M | $39K | 0.85% | 4.31% | 0.49% | 2,168 |
| Q4 2025 | $18.8M | $17.1M | $8.1M | $1.6M | $202K | 1.07% | 4.05% | 0.58% | 2,148 |
| Q3 2025 | $18.6M | $17.0M | $8.2M | $1.5M | $167K | 1.20% | 4.00% | 0.54% | 2,153 |
| Q2 2025 | $18.7M | $17.2M | $8.3M | $1.5M | $98K | 1.05% | 3.86% | 0.10% | 2,150 |
| Q1 2025 | $17.9M | $16.4M | $8.1M | $1.4M | $44K | 0.98% | 3.89% | 0.07% | 2,143 |
| Q4 2024 | $17.3M | $16.0M | $8.4M | $1.4M | $158K | 0.91% | 3.83% | 0.03% | 2,133 |
| Q3 2024 | $17.9M | $16.5M | $8.6M | $1.3M | $117K | 0.87% | 3.65% | 0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.65% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,133 |
| Q2 2024 | $17.7M | $16.3M | $8.7M | $1.3M | $76K | 0.86% | 3.60% | 0.11% | 2,109 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.6M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 80.6% | 61st |
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% |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ravalli, MT, ranked 10th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ravalli, MT | 2 | $17.2M* | 1.15% | 10th |
Montana: 79th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2