The Morning Star
Lame Deer, MT · Charter 24943 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$2.2MAssets
$328KLoans
$1.8MShares
$217KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 522 of 1683).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets (rank 1640 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.64%
Rank 969 of 1,683
Net Interest Margin
4.19%
Rank 522 of 1,683
Efficiency Ratio
87.36%
Rank 1,280 of 1,682
Equity / Assets
9.87%
Rank 1,367 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 42% | 969 / 1,683 | |
| Return on Equity | 6.45% | 2.67% | 5.89% | 8.74% | Beats 56% | 747 / 1,681 | |
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 522 / 1,683 | |
| Efficiency Ratio | 87.36% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,280 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.79% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,640 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,367 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.87% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,367 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 17.94% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,656 / 1,683 | |
| Loans / Assets | 14.92% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,655 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |