BITTERROOT COMMUNITY
Charter #18964 · DARBY, MT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.58% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.28% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.01% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 61st — a 28-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 | BITTERROOT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.57M | 33th pct | 61th pct |
| Members | 2,168 | 53th pct | 70th pct |
| Net worth ratio | 8.58% | 8th pct | 3th pct |
| Return on average assets | 0.84% | 60th pct | 67th pct |
| Net interest margin | 4.28% | 71th pct | 77th pct |
| Cost of funds | 0.01% | 1th pct | 2th pct |
| Loan-to-share | 46.70% | 31th pct | 36th pct |
| Delinquency 60+ days | 0.49% | 45th pct | 44th pct |
| Net charge-off ratio | 0.18% | 55th pct | 70th pct |
| Loan growth YoY | -3.05% | 45th pct | 64th pct |
| Share growth YoY | -0.20% | 25th pct | 30th pct |
| Efficiency ratio | 80.72% | 51th pct | 46th pct |
structural peer set hash: afac4eeb1ed54a80444ff437781b2a15… (reproducible)
Closest structural peers
This is the free public view
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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.