Seg
Laurel, MT · Charter 7405 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$25.6MAssets
$17.5MLoans
$22.1MShares
$3.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 64% of credit unions under $1B in assets (rank 607 of 1682).
- Widest gap: nonperforming loans / loans trails 55% of credit unions under $1B in assets (rank 922 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.84%
Rank 739 of 1,683
Net Interest Margin
3.93%
Rank 733 of 1,683
Efficiency Ratio
73.27%
Rank 607 of 1,682
Equity / Assets
12.63%
Rank 889 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 56% | 739 / 1,683 | | |
| Return on Equity | 6.69% | 2.67% | 5.89% | 8.74% | Beats 58% | 712 / 1,681 | | |
| Net Interest Margin | 3.93% | 3.31% | 3.82% | 4.32% | Beats 56% | 733 / 1,683 | | |
| Efficiency Ratio | 73.27% | 68.91% | 78.20% | 86.93% | Beats 64% | 607 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 922 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 10.44% | 12.89% | 16.53% | Beats 47% | 889 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.63% | 10.44% | 12.89% | 16.53% | Beats 47% | 889 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.00% | 52.61% | 69.38% | 83.50% | 67th pctl | 548 / 1,683 | | |
| Loans / Assets | 68.24% | 44.71% | 59.18% | 70.72% | 70th pctl | 513 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |