| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +6.4% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -14.6% | -2.6% | -12.0 pts |
| ROA | 1.72% | 0.65% | +1.1 pts |
| ROE | 15.6% | 4.4% | +11.3 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.8M | $16.7M | $8.1M | $2.1M | $162K | 1.72% | 4.09% | 2.44% | 1,681 |
| Q1 2026 | $17.6M | $15.7M | $8.5M | $2.0M | $61K | 1.38% | 4.22% | 4.20% | 1,689 |
| Q4 2025 | $17.9M | $16.0M | $10.2M | $1.7M | $289K | 1.62% | 4.74% | 1.67% | 1,779 |
| Q3 2025 | $17.2M | $15.3M | $9.1M | $2.0M | $218K | 1.69% | 4.87% | 3.24% | 1,716 |
| Q2 2025 | $17.6M | $15.7M | $9.5M | $1.9M | $177K | 2.01% | 4.73% | 2.79% | 1,742 |
| Q1 2025 | $18.5M | $16.6M | $10.1M | $1.8M | $67K | 1.46% | 4.13% | 2.28% | 1,755 |
| Q4 2024 | $17.9M | $16.0M | $10.2M | $1.7M | $289K | 1.62% | 4.74% | 1.67% | 1,779 |
| Q3 2024 | $17.3M | $15.6M | $10.3M | $1.7M | $183K | 1.41% | 4.90% | 1.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.65% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,771 |
| Q2 2024 | $18.2M | $16.4M | $10.3M | $1.6M | $118K | 1.30% | 4.69% | 1.20% | 1,765 |
Loan mix (Q2 2026): real estate $610K · commercial $0 · consumer $6.7M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 80.6% | 27th |
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: Cascade, MT, ranked 17th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cascade, MT | 1 | $16.7M* | 0.57% | 17th |
Montana: 80th with 0.04% · Great Falls metro: 17th, 0.57% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1