| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +4.4% | +0.9% | +3.5 pts |
| Loan growth (YoY) | +2.2% | -2.6% | +4.8 pts |
| ROA | 0.79% | 0.65% | +0.1 pts |
| ROE | 7.0% | 4.4% | +2.7 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.2M | $37.6M | $34.4M | $4.8M | $169K | 0.79% | 4.94% | 1.60% | 3,924 |
| Q1 2026 | $44.1M | $38.7M | $33.0M | $4.8M | $119K | 1.08% | 5.01% | 1.07% | 3,924 |
| Q4 2025 | $41.6M | $36.1M | $33.1M | $4.7M | $246K | 0.59% | 4.83% | 1.06% | 3,895 |
| Q3 2025 | $41.2M | $36.1M | $34.0M | $4.6M | $188K | 0.61% | 4.81% | 1.90% | 3,911 |
| Q2 2025 | $40.9M | $36.0M | $33.6M | $4.5M | $46K | 0.23% | 4.69% | 2.56% | 3,918 |
| Q1 2025 | $41.4M | $36.1M | $31.6M | $4.5M | $44K | 0.43% | 4.39% | 2.67% | 3,895 |
| Q4 2024 | $39.1M | $34.2M | $32.4M | $4.5M | $392K | 1.00% | 4.88% | 2.46% | 3,879 |
| Q3 2024 | $39.1M | $34.3M | $32.4M | $4.3M | $279K | 0.95% | 4.94% | 2.79% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,920 |
| Q2 2024 | $39.0M | $34.2M | $32.1M | $4.3M | $238K | 1.22% | 4.93% | 2.90% | 3,903 |
Loan mix (Q2 2026): real estate $13.3M · commercial $10.9M · consumer $7.6M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 80.6% | 60th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Custer, MT, ranked 5th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Custer, MT | 1 | $18.8M* | 1.93% | 5th |
| Carter, MT | 1 | $18.8M* | 58.45% | 1st |
Montana: 69th with 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2