| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +1.3% | +9.4 pts |
| Share growth (YoY) | +10.5% | +0.7% | +9.9 pts |
| Loan growth (YoY) | +12.5% | -2.4% | +14.9 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.2M | $31.7M | $24.6M | $3.4M | $111K | 1.26% | 4.14% | 0.00% | 1,661 |
| Q4 2025 | $34.3M | $31.0M | $24.4M | $3.3M | $453K | 1.32% | 3.86% | 0.46% | 1,678 |
| Q3 2025 | $32.9M | $29.6M | $24.3M | $3.1M | $330K | 1.34% | 3.91% | 0.64% | 1,704 |
| Q2 2025 | $32.0M | $28.7M | $22.5M | $3.0M | $218K | 1.36% | 3.84% | 0.02% | 1,742 |
| Q1 2025 | $31.8M | $28.7M | $21.9M | $2.9M | $100K | 1.26% | 3.75% | 0.25% | 1,738 |
| Q4 2024 | $30.7M | $27.7M | $21.0M | $2.8M | $287K | 0.93% | 3.61% | 0.12% | 1,784 |
| Q3 2024 | $29.0M | $26.0M | $22.8M | $2.7M | $218K | 1.00% | 3.81% | 0.01% | 1,805 |
| Q2 2024 | $27.7M | $24.9M | $21.3M | $2.5M | $138K | 0.99% | 3.73% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,715 |
Loan mix (Q1 2026): real estate $18.8M · commercial $0 · consumer $4.0M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 81.5% | 31st |
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 2 counties across 2 states (+0 vs 2024). Biggest market: Missoula, MT, ranked 16th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Missoula, MT | 1 | $14.3M* | 0.31% | 16th |
| Allen, IN | 1 | $14.3M* | 0.12% | 35th |
Montana: 82nd with 0.03% · Indiana: 242nd with 0.01% · Missoula metro: 16th, 0.31% · Fort Wayne metro: 39th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2