Badlands
Glendive, MT · Charter 4227 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$37.5MAssets
$11.2MLoans
$34.6MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 53% of credit unions under $1B in assets (rank 794 of 1681).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1620 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.50%
Rank 1,143 of 1,683
Net Interest Margin
3.16%
Rank 1,358 of 1,683
Efficiency Ratio
81.87%
Rank 1,027 of 1,682
Equity / Assets
8.06%
Rank 1,620 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,143 / 1,683 | | |
| Return on Equity | 6.15% | 2.67% | 5.89% | 8.74% | Beats 53% | 794 / 1,681 | | |
| Net Interest Margin | 3.16% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,358 / 1,683 | | |
| Efficiency Ratio | 81.87% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,027 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,308 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,620 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,620 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 32.37% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,580 / 1,683 | | |
| Loans / Assets | 29.79% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,556 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |