Mile High Federal Credit Union
Total assets
$29.2M
▼ -2.9% YoY
Shares & deposits
$24.8M
▼ -4.7% YoY
Loans
$9.8M
▼ -6.0% YoY
Members
1,721
▼ -1.8% YoY
ROA (annualized)
0.65%
peers 0.60%
ROE (annualized)
4.48%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.4 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.6 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 3410 Monroe Ave, P.O. Box 3152, Butte, MT, 59701
- NCUA charter #
- 1739
- RSSD ID
- 257475
- 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 | $29.2M | $24.8M | $9.8M | $4.3M | $48K | 0.65% | 3.84% | 0.00% | 1,721 |
| Q4 2025 | $28.3M | $23.9M | $10.1M | $4.2M | $352K | 1.24% | 4.33% | 0.01% | 1,722 |
| Q3 2025 | $28.5M | $24.2M | $10.4M | $4.2M | $318K | 1.49% | 4.40% | 0.01% | 1,735 |
| Q2 2025 | $29.5M | $25.3M | $10.1M | $4.1M | $217K | 1.47% | 4.25% | 0.02% | 1,747 |
| Q1 2025 | $30.1M | $26.0M | $10.4M | $4.0M | $114K | 1.51% | 4.12% | 0.01% | 1,753 |
| Q4 2024 | $30.4M | $26.4M | $10.4M | $3.9M | $325K | 1.07% | 3.75% | 0.00% | 1,782 |
| Q3 2024 | $30.5M | $26.7M | $10.4M | $3.9M | $272K | 1.19% | 3.61% | 0.00% | 1,809 |
| Q2 2024 | $30.6M | $26.7M | $10.5M | $3.8M | $182K | 1.19% | 3.59% | 0.00% | 1,803 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $6.7M · securities $15.7M
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 | 0.65% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | — | |
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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