| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +17.4% | +0.9% | +16.5 pts |
| Loan growth (YoY) | -17.3% | -2.6% | -14.7 pts |
| ROA | 0.63% | 0.65% | -0.0 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.2M | $1.8M | $328K | $217K | $7K | 0.63% | 4.15% | 5.89% | 2,482 |
| Q1 2026 | $2.5M | $2.1M | $319K | $213K | $3K | 0.42% | 3.54% | 9.17% | 2,430 |
| Q4 2025 | $2.9M | $2.4M | $323K | $210K | $-58K | -1.97% | 3.31% | 8.94% | 2,344 |
| Q3 2025 | $2.4M | $1.8M | $387K | $204K | $-65K | -3.59% | 3.85% | 8.39% | 2,235 |
| Q2 2025 | $2.2M | $1.6M | $397K | $207K | $-61K | -5.64% | 4.13% | 4.39% | 2,078 |
| Q1 2025 | $2.3M | $1.9M | $417K | $206K | $-62K | -10.73% | 3.47% | 3.97% | 1,918 |
| Q4 2024 | $2.0M | $1.6M | $429K | $268K | $156K | 7.64% | 3.63% | 9.18% | 1,755 |
| Q3 2024 | $2.2M | $1.6M | $419K | $544K | $432K | 26.13% | 3.10% | 5.82% | 1,563 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $1.2M | $1.1M | $423K | $86K | $-26K | -4.21% | 4.95% | 5.80% | 1,302 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $313K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 80.6% | 66th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Big Horn, MT, ranked 3rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Big Horn, MT | 1 | $914K* | 0.29% | 3rd |
| Rosebud, MT | 1 | $914K* | 0.30% | 5th |
Montana: 90th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2023 1 · 2024 2 · 2025 2 · 2026 2