Bitterroot Community
Darby, MT · Charter 18964 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$18.9MAssets
$8.1MLoans
$17.2MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 72% of credit unions under $1B in assets (rank 477 of 1683).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets (rank 1569 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.60%
Rank 1,006 of 1,683
Net Interest Margin
4.23%
Rank 477 of 1,683
Efficiency Ratio
85.05%
Rank 1,185 of 1,682
Equity / Assets
8.53%
Rank 1,569 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,006 / 1,683 | | |
| Return on Equity | 7.08% | 2.67% | 5.89% | 8.74% | Beats 62% | 642 / 1,681 | | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 72% | 477 / 1,683 | | |
| Efficiency Ratio | 85.05% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,185 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.29% | Beats 53% | 784 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.53% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,569 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.53% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,569 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.21% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,367 / 1,683 | | |
| Loans / Assets | 43.06% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,298 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |