| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +5.1% | -3.7 pts |
| Share growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Loan growth (YoY) | +5.9% | +5.4% | +0.5 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 7.4% | 6.3% | +1.1 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.15B | $937.9M | $849.0M | $145.6M | $2.7M | 0.94% | 3.72% | 0.46% | 67,211 |
| Q4 2025 | $1.14B | $921.8M | $838.8M | $142.9M | $9.9M | 0.86% | 3.47% | 0.82% | 66,586 |
| Q3 2025 | $1.13B | $906.7M | $835.1M | $140.8M | $7.7M | 0.91% | 3.47% | 0.12% | 65,939 |
| Q2 2025 | $1.11B | $894.8M | $808.4M | $138.0M | $4.9M | 0.89% | 3.43% | 0.15% | 64,991 |
| Q1 2025 | $1.13B | $886.6M | $801.7M | $135.6M | $2.5M | 0.88% | 3.30% | 0.13% | 64,131 |
| Q4 2024 | $1.10B | $833.0M | $803.8M | $133.1M | $9.5M | 0.86% | 3.23% | 0.84% | 63,402 |
| Q3 2024 | $1.09B | $826.8M | $783.7M | $131.6M | $8.0M | 0.97% | 3.22% | 0.20% | 62,859 |
| Q2 2024 | $1.06B | $815.2M | $746.6M | $128.9M | $5.3M | 1.00% | 3.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.71% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 6.3% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 61,912 |
Loan mix (Q1 2026): real estate $370.4M · commercial $198.6M · consumer $213.7M · securities $184.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 73.0% | 48th |
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.
11 branches in 6 counties across 1 state (+2 vs 2024). Biggest market: Missoula, MT, ranked 3rd with 10.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Missoula, MT | 6 | $488.1M* | 10.60% | 3rd |
| Gallatin, MT | 1 | $81.3M* | 1.49% | 12th |
| Lewis and Clark, MT | 1 | $81.3M* | 2.92% | 10th |
| 3 more counties with Pro → | ||||
Montana: 10th with 2.00% · Missoula metro: 3rd, 10.46% · Great Falls metro: 10th, 2.91% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 9 · 2024 9 · 2025 11