Fergus
Lewistown, MT · Charter 8881 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$117.5MAssets
$93.1MLoans
$100.4MShares
$16.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets (rank 63 of 1681).
- Widest gap: nonperforming loans / loans trails 45% of credit unions under $1B in assets (rank 756 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.00%
Rank 78 of 1,683
Net Interest Margin
4.34%
Rank 410 of 1,683
Efficiency Ratio
59.38%
Rank 179 of 1,682
Equity / Assets
14.07%
Rank 665 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.00% | 0.35% | 0.74% | 1.18% | Beats 95% | 78 / 1,683 | |
| Return on Equity | 14.19% | 2.67% | 5.89% | 8.74% | Beats 96% | 63 / 1,681 | |
| Net Interest Margin | 4.34% | 3.31% | 3.82% | 4.32% | Beats 76% | 410 / 1,683 | |
| Efficiency Ratio | 59.38% | 68.91% | 78.20% | 86.93% | Beats 89% | 179 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.29% | Beats 55% | 756 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.07% | 10.44% | 12.89% | 16.53% | Beats 60% | 665 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.07% | 10.44% | 12.89% | 16.53% | Beats 60% | 665 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 92.80% | 52.61% | 69.38% | 83.50% | 91st pctl | 159 / 1,683 | |
| Loans / Assets | 79.26% | 44.71% | 59.18% | 70.72% | 91st pctl | 156 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |