| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.3 pts |
| Share growth (YoY) | +6.7% | +0.9% | +5.8 pts |
| Loan growth (YoY) | -4.7% | -2.6% | -2.1 pts |
| ROA | 1.32% | 0.65% | +0.7 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.2M | $20.2M | $13.7M | $3.8M | $159K | 1.32% | 4.20% | 2.27% | 3,000 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,099 |
| Q2 2024 | $22.1M | $17.8M | $15.1M | $3.9M | $-1.4M | -12.96% | 4.03% | 11.00% | 3,087 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $8.9M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 80.6% | 36th |
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.
4 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Silver Bow, MT, ranked 14th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Silver Bow, MT | 3 | $15.1M* | 1.22% | 14th |
| Lincoln, MT | 1 | $5.0M* | 0.68% | 7th |
Montana: 78th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4