WOLF POINT
Charter #15375 · Wolf Point, MT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,236 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.19% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.58% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.27% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 34th — a 19-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 | WOLF POINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.02M | 44th pct | 62th pct |
| Members | 3,236 | 81th pct | 84th pct |
| Net worth ratio | 17.64% | 74th pct | 61th pct |
| Return on average assets | 0.71% | 53th pct | 34th pct |
| Net interest margin | 3.19% | 22th pct | 21th pct |
| Cost of funds | 0.85% | 50th pct | 43th pct |
| Loan-to-share | 57.74% | 51th pct | 54th pct |
| Delinquency 60+ days | 1.58% | 80th pct | 80th pct |
| Net charge-off ratio | -0.27% | 4th pct | 3th pct |
| Loan growth YoY | -2.93% | 46th pct | 41th pct |
| Share growth YoY | 11.24% | 96th pct | 95th pct |
| Efficiency ratio | 68.78% | 24th pct | 36th pct |
structural peer set hash: 53335a0bbb28107f22716bdfd098af4b… (reproducible)
Closest structural peers
This is the free public view
Claim WOLF POINT
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.