| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +1.3% | +12.3 pts |
| Share growth (YoY) | +13.0% | +0.9% | +12.1 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.4 pts |
| ROA | 1.80% | 0.65% | +1.2 pts |
| ROE | 13.0% | 4.4% | +8.6 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.4M | $75.7M | $57.2M | $12.4M | $806K | 1.80% | 4.51% | 0.02% | 6,327 |
| Q1 2026 | $89.1M | $76.4M | $57.3M | $12.0M | $405K | 1.82% | 4.54% | 0.04% | 6,272 |
| Q4 2025 | $84.9M | $72.8M | $57.6M | $11.6M | $1.8M | 2.09% | 4.40% | 0.04% | 6,118 |
| Q3 2025 | $82.7M | $70.8M | $56.4M | $11.2M | $1.3M | 2.15% | 4.48% | 0.09% | 6,129 |
| Q2 2025 | $78.7M | $67.0M | $56.8M | $10.7M | $844K | 2.14% | 4.60% | 0.10% | 6,057 |
| Q1 2025 | $79.5M | $68.3M | $55.3M | $10.2M | $404K | 2.03% | 4.31% | 0.06% | 5,987 |
| Q4 2024 | $77.9M | $67.5M | $54.0M | $9.8M | $1.5M | 1.99% | 4.07% | 0.02% | 5,940 |
| Q3 2024 | $74.8M | $64.7M | $53.7M | $9.6M | $1.4M | 2.41% | 4.32% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,924 |
| Q2 2024 | $70.9M | $60.5M | $54.3M | $9.1M | $831K | 2.34% | 4.45% | 0.03% | 5,884 |
Loan mix (Q2 2026): real estate $26.5M · commercial $823K · consumer $23.7M · securities $16.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 80.6% | 11th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Ravalli, MT, ranked 6th with 5.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ravalli, MT | 2 | $75.7M* | 5.03% | 6th |
Montana: 59th with 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2