| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.9% | +0.9% | -3.8 pts |
| Loan growth (YoY) | -21.2% | -2.6% | -18.6 pts |
| ROA | 1.04% | 0.65% | +0.4 pts |
| ROE | 8.1% | 4.4% | +3.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.4M | $4.7M | $1.8M | $695K | $28K | 1.04% | 2.87% | 1.00% | 641 |
| Q1 2026 | $5.5M | $4.8M | $2.0M | $680K | $13K | 0.96% | 2.70% | 2.24% | 649 |
| Q4 2025 | $5.5M | $4.9M | $2.1M | $666K | $67K | 1.20% | 2.66% | 1.70% | 658 |
| Q3 2025 | $5.5M | $4.8M | $2.1M | $650K | $50K | 1.22% | 2.65% | 2.36% | 663 |
| Q2 2025 | $5.5M | $4.9M | $2.3M | $632K | $32K | 1.16% | 2.48% | 2.02% | 669 |
| Q1 2025 | $5.6M | $5.0M | $2.2M | $621K | $21K | 1.51% | 2.43% | 1.78% | 667 |
| Q4 2024 | $5.5M | $4.9M | $2.4M | $600K | $33K | 0.59% | 2.42% | 2.22% | 672 |
| Q3 2024 | $5.5M | $4.9M | $2.5M | $589K | $22K | 0.53% | 2.41% | 2.23% | 682 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.4M | $4.8M | $2.6M | $580K | $13K | 0.47% | 2.45% | 3.10% | 680 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 80.6% | 16th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Missoula, MT, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Missoula, MT | 1 | $4.7M* | 0.09% | 18th |
Montana: 87th with 0.01% · Missoula metro: 18th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1