| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.7% | +0.9% | +0.7 pts |
| Loan growth (YoY) | +1.1% | -2.6% | +3.7 pts |
| ROA | 0.85% | 0.65% | +0.2 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.6M | $22.1M | $17.5M | $3.2M | $108K | 0.85% | 3.93% | 0.75% | 2,010 |
| Q1 2026 | $25.5M | $22.1M | $17.5M | $3.2M | $89K | 1.39% | 3.81% | 0.26% | 1,992 |
| Q4 2025 | $25.3M | $21.9M | $17.3M | $3.1M | $227K | 0.90% | 4.09% | 0.41% | 1,987 |
| Q3 2025 | $24.8M | $21.5M | $17.1M | $3.1M | $176K | 0.94% | 4.15% | 0.42% | 1,983 |
| Q2 2025 | $25.0M | $21.7M | $17.3M | $3.1M | $153K | 1.22% | 4.11% | 0.53% | 1,975 |
| Q1 2025 | $26.2M | $22.9M | $17.1M | $3.0M | $47K | 0.72% | 3.88% | 0.18% | 1,947 |
| Q4 2024 | $25.6M | $22.4M | $17.3M | $2.9M | $321K | 1.25% | 3.89% | 0.57% | 1,944 |
| Q3 2024 | $24.4M | $21.3M | $17.4M | $2.9M | $232K | 1.27% | 4.05% | 0.31% |
| Ratio | Seg Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,939 |
| Q2 2024 | $23.4M | $20.4M | $17.1M | $2.7M | $126K | 1.08% | 4.18% | 0.63% | 1,931 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $13.8M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 80.6% | 32nd |
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 | Seg Federal Credit Union | 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 | Seg Federal Credit Union | 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 | Seg Federal Credit Union | 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 | Seg Federal Credit Union | 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 | Seg Federal Credit Union | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Yellowstone, MT, ranked 19th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Yellowstone, MT | 1 | $22.1M* | 0.25% | 19th |
Montana: 75th with 0.05% · Billings metro: 20th, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 1 · 2026 1