Ravalli County
Hamilton, MT · Charter 19732 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$89.4MAssets
$57.2MLoans
$75.7MShares
$12.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 87 of 1681).
- Widest gap: equity / assets trails 41% of credit unions under $1B in assets (rank 693 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.80%
Rank 129 of 1,683
Net Interest Margin
4.51%
Rank 327 of 1,683
Efficiency Ratio
59.73%
Rank 183 of 1,682
Equity / Assets
13.87%
Rank 693 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.80% | 0.35% | 0.74% | 1.18% | Beats 92% | 129 / 1,683 | |
| Return on Equity | 13.00% | 2.67% | 5.89% | 8.74% | Beats 95% | 87 / 1,681 | |
| Net Interest Margin | 4.51% | 3.31% | 3.82% | 4.32% | Beats 81% | 327 / 1,683 | |
| Efficiency Ratio | 59.73% | 68.91% | 78.20% | 86.93% | Beats 89% | 183 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.26% | 0.65% | 1.29% | Beats 91% | 151 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.87% | 10.44% | 12.89% | 16.53% | Beats 59% | 693 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.87% | 10.44% | 12.89% | 16.53% | Beats 59% | 693 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 75.65% | 52.61% | 69.38% | 83.50% | 61st pctl | 657 / 1,683 | |
| Loans / Assets | 64.04% | 44.71% | 59.18% | 70.72% | 61st pctl | 660 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |