NORTHERN MONTANA HOSPITAL
Charter #19285 · Havre, MT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 188 sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 36th — a 18-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 | NORTHERN MONTANA HOSPITAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.04M | 18th pct | 11th pct |
| Members | 188 | 14th pct | 8th pct |
| Net worth ratio | 11.14% | 18th pct | 36th pct |
| Return on average assets | 0.27% | 45th pct | 52th pct |
| Net interest margin | 3.20% | 25th pct | 28th pct |
| Cost of funds | 0.59% | 54th pct | 48th pct |
| Loan-to-share | 51.58% | 42th pct | 38th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.04% | 17th pct | 18th pct |
| Loan growth YoY | -4.51% | 54th pct | 59th pct |
| Share growth YoY | 4.94% | 80th pct | 64th pct |
| Efficiency ratio | 78.86% | 37th pct | 30th pct |
structural peer set hash: 0b9c65f5a0120ed90fe2a7b682375930… (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.