Community 1st
Miles City, MT · Charter 8588 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$43.1MAssets
$34.4MLoans
$37.6MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 157 of 1683).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets (rank 1369 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.78%
Rank 796 of 1,683
Net Interest Margin
4.94%
Rank 157 of 1,683
Efficiency Ratio
84.82%
Rank 1,177 of 1,682
Equity / Assets
11.14%
Rank 1,121 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 53% | 796 / 1,683 | |
| Return on Equity | 7.03% | 2.67% | 5.89% | 8.74% | Beats 61% | 651 / 1,681 | |
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 157 / 1,683 | |
| Efficiency Ratio | 84.82% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,177 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,369 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,121 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.14% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,121 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 91.36% | 52.61% | 69.38% | 83.50% | 89th pctl | 188 / 1,683 | |
| Loans / Assets | 79.68% | 44.71% | 59.18% | 70.72% | 91st pctl | 144 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |