The Family First
Great Falls, MT · Charter 11364 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$18.8MAssets
$8.1MLoans
$16.7MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 98% of credit unions under $1B in assets (rank 41 of 1681).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets (rank 1503 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.72%
Rank 157 of 1,683
Net Interest Margin
4.10%
Rank 597 of 1,683
Efficiency Ratio
70.11%
Rank 458 of 1,682
Equity / Assets
11.01%
Rank 1,151 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.35% | 0.74% | 1.18% | Beats 91% | 157 / 1,683 | |
| Return on Equity | 15.61% | 2.67% | 5.89% | 8.74% | Beats 98% | 41 / 1,681 | |
| Net Interest Margin | 4.10% | 3.31% | 3.82% | 4.32% | Beats 65% | 597 / 1,683 | |
| Efficiency Ratio | 70.11% | 68.91% | 78.20% | 86.93% | Beats 73% | 458 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.44% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,503 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.01% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,151 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.01% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,151 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.46% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,348 / 1,683 | |
| Loans / Assets | 43.08% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,297 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |