Intrepid
Helena, MT · Charter 68495 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$310.8MAssets
$212.6MLoans
$268.6MShares
$34.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets (rank 614 of 1682).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1140 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.68%
Rank 915 of 1,683
Net Interest Margin
3.94%
Rank 717 of 1,683
Efficiency Ratio
83.48%
Rank 1,116 of 1,682
Equity / Assets
11.06%
Rank 1,140 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 915 / 1,683 | |
| Return on Equity | 6.12% | 2.67% | 5.89% | 8.74% | Beats 53% | 798 / 1,681 | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 717 / 1,683 | |
| Efficiency Ratio | 83.48% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,116 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.26% | 0.65% | 1.29% | Beats 64% | 614 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,140 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,140 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 79.15% | 52.61% | 69.38% | 83.50% | 68th pctl | 543 / 1,683 | |
| Loans / Assets | 68.41% | 44.71% | 59.18% | 70.72% | 70th pctl | 502 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |