| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| Share growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Loan growth (YoY) | +11.6% | +5.7% | +5.9 pts |
| ROA | 0.43% | 0.80% | -0.4 pts |
| ROE | 3.4% | 7.4% | -3.9 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.06B | $1.77B | $1.42B | $261.6M | $4.5M | 0.43% | 2.44% | 0.15% | 65,594 |
| Q1 2026 | $2.06B | $1.78B | $1.35B | $259.1M | $2.0M | 0.38% | 2.31% | 0.08% | 64,905 |
| Q4 2025 | $2.11B | $1.77B | $1.31B | $257.1M | $9.4M | 0.45% | 2.17% | 0.16% | 64,277 |
| Q3 2025 | $1.99B | $1.73B | $1.29B | $255.0M | $7.2M | 0.48% | 2.27% | 0.17% | 63,672 |
| Q2 2025 | $1.97B | $1.73B | $1.27B | $252.2M | $4.4M | 0.45% | 2.24% | 0.11% | 63,299 |
| Q1 2025 | $1.99B | $1.75B | $1.27B | $249.2M | $1.4M | 0.29% | 2.13% | 0.21% | 63,091 |
| Q4 2024 | $1.95B | $1.73B | $1.27B | $247.8M | $2.3M | 0.12% | 1.88% | 0.13% | 62,831 |
| Q3 2024 | $1.96B | $1.71B | $1.26B | $247.7M | $2.1M | 0.14% | 1.85% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.80% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 7.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.38% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 62,609 |
| Q2 2024 | $2.08B | $1.71B | $1.26B | $246.9M | $1.2M | 0.12% | 1.72% | 0.11% | 62,456 |
Loan mix (Q2 2026): real estate $1.13B · commercial $126.6M · consumer $75.6M · securities $524.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 71.9% | 86th |
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.
9 branches in 6 counties across 1 state (+2 vs 2025). Biggest market: Flathead, MT, ranked 2nd with 16.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Flathead, MT | 4 | $788.4M* | 15.98% | 2nd |
| Lake, MT | 1 | $197.1M* | 17.78% | 2nd |
| Sanders, MT | 1 | $197.1M* | 37.42% | 2nd |
| 3 more counties with Pro → | ||||
Montana: 7th with 3.79% · Bozeman metro: 9th, 3.34% · Missoula metro: 9th, 3.81% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 9