St. Pats Employees
Missoula, MT · Charter 19017 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.4MAssets
$1.8MLoans
$4.7MShares
$695KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 84% of credit unions under $1B in assets (rank 267 of 1682).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1512 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.03%
Rank 565 of 1,683
Net Interest Margin
2.88%
Rank 1,512 of 1,683
Efficiency Ratio
64.10%
Rank 267 of 1,682
Equity / Assets
12.83%
Rank 854 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 565 / 1,683 | |
| Return on Equity | 8.06% | 2.67% | 5.89% | 8.74% | Beats 70% | 501 / 1,681 | |
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,512 / 1,683 | |
| Efficiency Ratio | 64.10% | 68.91% | 78.20% | 86.93% | Beats 84% | 267 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,133 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.83% | 10.44% | 12.89% | 16.53% | Beats 49% | 854 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.83% | 10.44% | 12.89% | 16.53% | Beats 49% | 854 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 37.72% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,524 / 1,683 | |
| Loans / Assets | 32.79% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,509 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |