Wolf Point Federal Credit Union
Total assets
$23.0M
▲ +5.1% YoY
Shares & deposits
$19.0M
▲ +4.7% YoY
Loans
$11.0M
▲ +11.5% YoY
Members
3,236
▲ +2.1% YoY
ROA (annualized)
0.68%
peers 0.60%
ROE (annualized)
3.88%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.1 pts |
| Loan growth (YoY) | +11.5% | -2.4% | +13.8 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 426, Wolf Point, MT, 59201
- NCUA charter #
- 15375
- RSSD ID
- 512183
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.0M | $19.0M | $11.0M | $4.1M | $39K | 0.68% | 3.07% | 1.58% | 3,236 |
| Q4 2025 | $21.2M | $17.4M | $11.3M | $4.0M | $283K | 1.33% | 3.98% | 1.12% | 3,235 |
| Q3 2025 | $20.9M | $17.1M | $11.3M | $4.0M | $251K | 1.60% | 4.01% | 1.47% | 3,214 |
| Q2 2025 | $21.1M | $17.4M | $10.8M | $3.9M | $152K | 1.44% | 3.97% | 1.07% | 3,197 |
| Q1 2025 | $21.9M | $18.2M | $9.8M | $3.8M | $57K | 1.04% | 3.76% | 0.90% | 3,169 |
| Q4 2024 | $20.9M | $17.2M | $9.8M | $3.8M | $349K | 1.67% | 4.45% | 1.03% | 3,167 |
| Q3 2024 | $21.3M | $17.5M | $9.8M | $3.7M | $337K | 2.11% | 4.44% | 1.49% | 3,164 |
| Q2 2024 | $21.1M | $17.2M | $9.5M | $3.7M | $257K | 2.44% | 4.60% | 1.41% | 3,153 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.9M · securities $8.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.83% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 81.5% | 24th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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