Whitefish Credit Union Association
Whitefish, MT · Charter 61949 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$2.1BAssets
$1.4BLoans
$1.8BShares
$261.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 98% of credit unions $1B-$10B in assets (rank 11 of 435).
- Widest gap: net interest margin trails 94% of credit unions $1B-$10B in assets (rank 407 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.43%
Rank 359 of 435
Net Interest Margin
2.44%
Rank 407 of 435
Efficiency Ratio
81.62%
Rank 379 of 435
Equity / Assets
12.70%
Rank 103 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.55% | 0.81% | 1.14% | Beats 17% | 359 / 435 | |
| Return on Equity | 3.41% | 5.12% | 7.41% | 9.70% | Beats 14% | 376 / 435 | |
| Net Interest Margin | 2.44% | 3.01% | 3.39% | 3.75% | Beats 6% | 407 / 435 | |
| Efficiency Ratio | 81.62% | 65.25% | 71.39% | 77.86% | Beats 13% | 379 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.45% | 0.69% | 1.05% | Beats 98% | 11 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 103 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.70% | 9.81% | 10.84% | 12.63% | Beats 76% | 103 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 80.00% | 78.33% | 88.38% | 95.61% | 29th pctl | 308 / 435 | |
| Loans / Assets | 68.90% | 67.69% | 74.58% | 80.80% | 29th pctl | 309 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |