Rocky Mountain
Helena, MT · Charter 97110 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$426.5MAssets
$269.6MLoans
$366.6MShares
$37.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 41% of credit unions under $1B in assets (rank 988 of 1683).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1538 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.17%
Rank 1,405 of 1,683
Net Interest Margin
3.65%
Rank 988 of 1,683
Efficiency Ratio
86.17%
Rank 1,232 of 1,682
Equity / Assets
8.74%
Rank 1,538 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.17% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,405 / 1,683 | | |
| Return on Equity | 1.98% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,348 / 1,681 | | |
| Net Interest Margin | 3.65% | 3.31% | 3.82% | 4.32% | Beats 41% | 988 / 1,683 | | |
| Efficiency Ratio | 86.17% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,232 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,202 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.74% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,538 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.74% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,538 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.56% | 52.61% | 69.38% | 83.50% | 58th pctl | 708 / 1,683 | | |
| Loans / Assets | 63.22% | 44.71% | 59.18% | 70.72% | 59th pctl | 691 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |