Southwest Montana Community
Anaconda, MT · Charter 4401 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$203.3MAssets
$113.7MLoans
$182.7MShares
$23.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 37% of credit unions under $1B in assets (rank 1056 of 1683).
- Widest gap: return on equity trails 91% of credit unions under $1B in assets (rank 1526 of 1681).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.13%
Rank 1,519 of 1,683
Net Interest Margin
3.41%
Rank 1,191 of 1,683
Efficiency Ratio
94.02%
Rank 1,484 of 1,682
Equity / Assets
11.63%
Rank 1,056 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.13% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,519 / 1,683 | | |
| Return on Equity | -1.16% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,526 / 1,681 | | |
| Net Interest Margin | 3.41% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,191 / 1,683 | | |
| Efficiency Ratio | 94.02% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,484 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.84% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,420 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,056 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,056 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.20% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,045 / 1,683 | | |
| Loans / Assets | 55.90% | 44.71% | 59.18% | 70.72% | 43rd pctl | 958 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |