| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.3 pts |
| Loan growth (YoY) | -2.6% | -2.6% | -0.0 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $30.2M | $25.6M | $9.8M | $4.3M | $93K | 0.62% | 3.75% | 0.00% | 1,715 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,809 |
| Q2 2024 | $30.6M | $26.7M | $10.5M | $3.8M | $182K | 1.19% | 3.59% | 0.00% | 1,803 |
Loan mix (Q2 2026): real estate $1.1M · commercial $0 · consumer $6.6M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 80.6% | 60th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Silver Bow, MT, ranked 12th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Silver Bow, MT | 1 | $25.6M* | 2.06% | 12th |
Montana: 72nd with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1