Montana Federal Credit Union
Total assets
$358.9M
▲ +3.1% YoY
Shares & deposits
$315.1M
▲ +1.7% YoY
Loans
$244.7M
▲ +6.3% YoY
Members
26,193
▲ +3.4% YoY
ROA (annualized)
0.91%
peers 0.69%
ROE (annualized)
7.34%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.4 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 7.3% | 5.9% | +1.4 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 5027, Great Falls, MT, 59403
- NCUA charter #
- 4164
- RSSD ID
- 341477
- 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 | $358.9M | $315.1M | $244.7M | $44.3M | $813K | 0.91% | 3.87% | 0.28% | 26,193 |
| Q4 2025 | $351.8M | $307.7M | $246.9M | $43.5M | $4.2M | 1.21% | 3.94% | 0.52% | 26,100 |
| Q3 2025 | $344.1M | $301.9M | $242.4M | $42.4M | $3.1M | 1.21% | 3.99% | 0.32% | 25,833 |
| Q2 2025 | $348.2M | $308.3M | $238.7M | $41.2M | $2.0M | 1.13% | 3.86% | 0.30% | 25,652 |
| Q1 2025 | $348.0M | $309.8M | $230.2M | $40.1M | $842K | 0.97% | 3.72% | 0.22% | 25,329 |
| Q4 2024 | $340.2M | $303.0M | $226.2M | $39.3M | $3.7M | 1.08% | 3.55% | 0.31% | 25,078 |
| Q3 2024 | $331.7M | $295.5M | $232.2M | $38.3M | $2.7M | 1.08% | 3.58% | 0.27% | 25,040 |
| Q2 2024 | $332.0M | $295.6M | $229.4M | $37.2M | $1.6M | 0.99% | 3.46% | 0.19% | 24,809 |
Loan mix (Q1 2026): real estate $71.4M · commercial $13K · consumer $154.2M · securities $31.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.62% | 67th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.7% | 50th | |
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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