GRASSLANDS
Charter #11030 · CIRCLE, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,858 sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 46th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GRASSLANDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $139.55M | 25th pct | 30th pct |
| Members | 3,858 | 2th pct | 10th pct |
| Net worth ratio | 13.30% | 72th pct | 72th pct |
| Return on average assets | 0.78% | 56th pct | 38th pct |
| Net interest margin | 3.19% | 23th pct | 46th pct |
| Cost of funds | 1.91% | 85th pct | 77th pct |
| Loan-to-share | 59.70% | 26th pct | 36th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 21th pct |
| Net charge-off ratio | 0.02% | 9th pct | 31th pct |
| Loan growth YoY | -6.88% | 2th pct | 2th pct |
| Share growth YoY | 16.84% | 99th pct | 97th pct |
| Efficiency ratio | 74.16% | 34th pct | 56th pct |
structural peer set hash: b81c08fac9aad7747ffba1911d5525ac… (reproducible)
Closest structural peers
This is the free public view
Claim GRASSLANDS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.