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Helena, MT · Charter 68677 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$52.6MAssets
$32.7MLoans
$45.2MShares
$6.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets (rank 297 of 1683).
- Widest gap: efficiency ratio trails 52% of credit unions under $1B in assets (rank 883 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.16%
Rank 442 of 1,683
Net Interest Margin
4.56%
Rank 297 of 1,683
Efficiency Ratio
79.02%
Rank 883 of 1,682
Equity / Assets
13.19%
Rank 785 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 442 / 1,683 | | |
| Return on Equity | 8.77% | 2.67% | 5.89% | 8.74% | Beats 75% | 418 / 1,681 | | |
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 297 / 1,683 | | |
| Efficiency Ratio | 79.02% | 68.91% | 78.20% | 86.93% | Beats 48% | 883 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 571 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.19% | 10.44% | 12.89% | 16.53% | Beats 53% | 785 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.19% | 10.44% | 12.89% | 16.53% | Beats 53% | 785 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.31% | 52.61% | 69.38% | 83.50% | 56th pctl | 747 / 1,683 | | |
| Loans / Assets | 62.20% | 44.71% | 59.18% | 70.72% | 57th pctl | 722 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |