Butte Community Federal Credit Union
Total assets
$37.4M
▲ +12.0% YoY
Shares & deposits
$34.3M
▲ +13.3% YoY
Loans
$23.2M
▲ +1.8% YoY
Members
2,773
▲ +1.4% YoY
ROA (annualized)
-0.50%
peers 0.60%
ROE (annualized)
-6.57%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.7 pts |
| Share growth (YoY) | +13.3% | +0.7% | +12.7 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.1 pts |
| ROA | -0.50% | 0.60% | -1.1 pts |
| ROE | -6.6% | 4.1% | -10.7 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
Profile
- Established
- 1970
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 2901 Grand Ave, Butte, MT, 59701
- NCUA charter #
- 19896
- RSSD ID
- 514589
- 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 | $37.4M | $34.3M | $23.2M | $2.9M | $-47K | -0.50% | 3.10% | 0.02% | 2,773 |
| Q4 2025 | $35.1M | $31.9M | $23.2M | $2.9M | $235K | 0.67% | 3.32% | 0.11% | 2,755 |
| Q3 2025 | $33.7M | $30.3M | $23.3M | $2.9M | $195K | 0.77% | 3.38% | 0.13% | 2,754 |
| Q2 2025 | $33.1M | $29.7M | $23.8M | $2.8M | $147K | 0.89% | 3.37% | 0.03% | 2,755 |
| Q1 2025 | $33.4M | $30.2M | $22.8M | $2.8M | $66K | 0.79% | 3.15% | 0.00% | 2,736 |
| Q4 2024 | $30.9M | $27.8M | $22.3M | $2.7M | $312K | 1.01% | 3.40% | 0.12% | 2,746 |
| Q3 2024 | $29.5M | $26.6M | $22.5M | $2.6M | $236K | 1.06% | 3.57% | 0.00% | 2,723 |
| Q2 2024 | $29.4M | $26.6M | $22.5M | $2.5M | $172K | 1.17% | 3.54% | 0.10% | 2,707 |
Loan mix (Q1 2026): real estate $6.3M · commercial $0 · consumer $12.0M · securities $5.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.50% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -6.6% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.83% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th | |
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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