| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.1% | +5.2 pts |
| Share growth (YoY) | +9.2% | +3.5% | +5.7 pts |
| Loan growth (YoY) | -10.0% | +2.9% | -12.9 pts |
| ROA | 2.11% | 0.74% | +1.4 pts |
| ROE | 9.7% | 6.5% | +3.3 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.6M | $146.2M | $61.5M | $40.3M | $2.0M | 2.11% | 3.14% | 0.22% | 5,733 |
| Q1 2026 | $182.4M | $142.9M | $64.4M | $39.3M | $940K | 2.06% | 3.08% | 0.17% | 5,698 |
| Q4 2025 | $177.7M | $139.0M | $66.2M | $38.4M | $3.1M | 1.76% | 3.00% | 0.59% | 5,687 |
| Q3 2025 | $174.9M | $137.1M | $66.6M | $37.5M | $2.3M | 1.74% | 2.91% | 0.55% | 5,692 |
| Q2 2025 | $170.7M | $133.9M | $68.3M | $36.6M | $1.4M | 1.62% | 2.93% | 0.15% | 5,675 |
| Q1 2025 | $168.0M | $131.9M | $69.3M | $35.8M | $608K | 1.45% | 2.90% | 0.53% | 5,715 |
| Q4 2024 | $163.8M | $128.3M | $69.3M | $35.2M | $2.6M | 1.59% | 2.64% | 0.21% | 5,689 |
| Q3 2024 | $166.9M | $132.3M | $69.0M | $34.5M | $1.8M | 1.46% | 2.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 0.74% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 6.5% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 5,690 |
| Q2 2024 | $165.2M | $131.0M | $69.6M | $33.8M | $1.1M | 1.37% | 2.38% | 0.07% | 5,547 |
Loan mix (Q2 2026): real estate $47.4M · commercial $314K · consumer $11.0M · securities $81.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 77.5% | 1st |
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 1 county across 1 state (+0 vs 2025). Biggest market: Lincoln, MT, ranked 3rd with 19.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, MT | 2 | $146.2M* | 19.84% | 3rd |
Montana: 42nd with 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2