| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.1% | +5.0 pts |
| Share growth (YoY) | +13.1% | +3.5% | +9.5 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.3 pts |
| ROA | 1.13% | 0.74% | +0.4 pts |
| ROE | 8.4% | 6.5% | +1.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $141.5M | $120.5M | $74.0M | $19.1M | $797K | 1.13% | 3.11% | 0.05% | 3,875 |
| Q1 2026 | $139.5M | $121.6M | $72.6M | $18.6M | $263K | 0.75% | 3.08% | 0.18% | 3,858 |
| Q4 2025 | $130.0M | $110.9M | $76.3M | $18.3M | $1.0M | 0.78% | 3.11% | 0.16% | 3,865 |
| Q3 2025 | $123.4M | $104.1M | $78.0M | $18.2M | $942K | 1.02% | 3.28% | 0.30% | 3,855 |
| Q2 2025 | $129.7M | $106.6M | $75.1M | $17.9M | $585K | 0.90% | 3.02% | 0.33% | 3,861 |
| Q1 2025 | $122.5M | $104.0M | $72.2M | $17.5M | $246K | 0.80% | 3.08% | 0.92% | 3,833 |
| Q4 2024 | $117.3M | $98.9M | $79.0M | $17.3M | $1.0M | 0.86% | 3.12% | 0.50% | 3,823 |
| Q3 2024 | $117.1M | $98.9M | $79.6M | $17.0M | $784K | 0.89% | 3.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.74% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.5% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 3,806 |
| Q2 2024 | $119.4M | $100.9M | $75.7M | $16.7M | $416K | 0.70% | 2.71% | 1.28% | 3,771 |
Loan mix (Q2 2026): real estate $18.0M · commercial $41.8M · consumer $8.6M · securities $38.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 77.5% | 23rd |
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: Fallon, MT, ranked 2nd with 29.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fallon, MT | 1 | $60.3M* | 29.77% | 2nd |
| McCone, MT | 1 | $60.3M* | 73.12% | 1st |
Montana: 50th with 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2