Lincoln County
Libby, MT · Charter 63199 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$186.6MAssets
$61.5MLoans
$146.2MShares
$40.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of credit unions under $1B in assets (rank 15 of 1682).
- Widest gap: net interest margin trails 81% of credit unions under $1B in assets (rank 1369 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.11%
Rank 65 of 1,683
Net Interest Margin
3.14%
Rank 1,369 of 1,683
Efficiency Ratio
38.08%
Rank 15 of 1,682
Equity / Assets
21.61%
Rank 172 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.11% | 0.35% | 0.74% | 1.18% | Beats 96% | 65 / 1,683 | |
| Return on Equity | 9.74% | 2.67% | 5.89% | 8.74% | Beats 81% | 313 / 1,681 | |
| Net Interest Margin | 3.14% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,369 / 1,683 | |
| Efficiency Ratio | 38.08% | 68.91% | 78.20% | 86.93% | Beats 99% | 15 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 364 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.61% | 10.44% | 12.89% | 16.53% | Beats 90% | 172 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.61% | 10.44% | 12.89% | 16.53% | Beats 90% | 172 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.07% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,466 / 1,683 | |
| Loans / Assets | 32.96% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,504 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |