Grasslands Federal Credit Union
Total assets
$139.5M
▲ +13.9% YoY
Shares & deposits
$121.6M
▲ +16.9% YoY
Loans
$72.6M
▲ +0.6% YoY
Members
3,858
▲ +0.7% YoY
ROA (annualized)
0.75%
peers 0.69%
ROE (annualized)
5.67%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +3.9% | +10.0 pts |
| Share growth (YoY) | +16.9% | +3.3% | +13.6 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.3 pts |
| ROA | 0.75% | 0.69% | +0.1 pts |
| ROE | 5.7% | 5.9% | -0.3 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 79, Circle, MT, 59215
- NCUA charter #
- 11030
- RSSD ID
- 628981
- 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 | $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% | 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 (Q1 2026): real estate $18.2M · commercial $40.1M · consumer $8.3M · securities $35.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.7% | 34th | |
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.
Similar credit unions
- Montana Federal Credit UnionGreat Falls, MT · $358.9M
- Park Side Financial Credit UnionWhitefish, MT · $389.1M
- Rocky Mountain Credit UnionHelena, MT · $424.3M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
- United Financial Credit UnionSaginaw, MI · $350.3M
- Pioneer Mutual Federal Credit UnionSugar Land, TX · $351.1M
Selling to Grasslands Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.