Mountain West Federal Credit Union
Total assets
$24.0M
▲ +8.7% YoY
Shares & deposits
$20.2M
▲ +10.2% YoY
Loans
$14.1M
▼ -3.8% YoY
Members
2,990
▲ +1.9% YoY
ROA (annualized)
0.78%
peers 0.60%
ROE (annualized)
5.14%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +1.3% | +7.4 pts |
| Share growth (YoY) | +10.2% | +0.7% | +9.6 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.4 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- P.O. Box 4295, Butte, MT, 59701
- NCUA charter #
- 8129
- RSSD ID
- 554080
- 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 | $24.0M | $20.2M | $14.1M | $3.6M | $47K | 0.78% | 4.06% | 2.18% | 2,990 |
| Q4 2025 | $22.0M | $18.2M | $14.3M | $3.6M | $-166K | -0.75% | 4.44% | 2.72% | 2,956 |
| Q3 2025 | $21.8M | $18.1M | $14.3M | $3.5M | $-205K | -1.26% | 4.44% | 4.10% | 2,949 |
| Q2 2025 | $22.7M | $18.9M | $14.3M | $3.5M | $-200K | -1.76% | 4.18% | 4.53% | 2,950 |
| Q1 2025 | $22.1M | $18.3M | $14.7M | $3.7M | $-76K | -1.37% | 4.29% | 6.31% | 2,935 |
| Q4 2024 | $22.0M | $18.1M | $15.0M | $3.8M | $-184K | -0.83% | 4.13% | 6.55% | 3,085 |
| Q3 2024 | $22.7M | $18.6M | $15.7M | $3.9M | $70K | 0.41% | 4.03% | 9.56% | 3,099 |
| Q2 2024 | $22.1M | $17.8M | $15.1M | $3.9M | $-1.4M | -12.96% | 4.03% | 11.00% | 3,087 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $9.3M · securities $3.8M
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 | 0.78% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 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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