M D U Employees Federal Credit Union
Total assets
$4.1M
▼ -2.5% YoY
Shares & deposits
$3.4M
▼ -3.7% YoY
Loans
$2.6M
▼ -2.1% YoY
Members
486
▼ -1.6% YoY
ROA (annualized)
0.47%
peers 0.60%
ROE (annualized)
2.75%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.4 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.3 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 210 S. Merrill Ave, Glendive, MT, 59330
- NCUA charter #
- 11331
- RSSD ID
- 535687
- 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 | $4.1M | $3.4M | $2.6M | $694K | $5K | 0.47% | 3.84% | 0.48% | 486 |
| Q4 2025 | $4.1M | $3.4M | $2.7M | $689K | $20K | 0.50% | 3.74% | 0.00% | 485 |
| Q3 2025 | $4.0M | $3.3M | $2.6M | $691K | $22K | 0.72% | 3.84% | 0.00% | 487 |
| Q2 2025 | $4.0M | $3.3M | $2.6M | $683K | $14K | 0.72% | 3.85% | 0.00% | 492 |
| Q1 2025 | $4.2M | $3.5M | $2.7M | $675K | $7K | 0.70% | 3.60% | 0.00% | 494 |
| Q4 2024 | $4.0M | $3.4M | $2.8M | $669K | $42K | 1.05% | 4.12% | 0.04% | 493 |
| Q3 2024 | $4.0M | $3.3M | $2.9M | $666K | $40K | 1.32% | 4.28% | 0.15% | 495 |
| Q2 2024 | $3.9M | $3.2M | $2.9M | $652K | $25K | 1.29% | 4.44% | 0.27% | 503 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $971K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 81.5% | 65th | |
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.
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