RAVALLI COUNTY
Charter #19732 · Hamilton, MT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.86% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.65% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.82% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 43rd — a 39-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 | RAVALLI COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $89.05M | 82th pct | 43th pct |
| Members | 6,272 | 70th pct | 43th pct |
| Net worth ratio | 13.47% | 57th pct | 72th pct |
| Return on average assets | 1.86% | 93th pct | 89th pct |
| Net interest margin | 4.65% | 90th pct | 92th pct |
| Cost of funds | 0.80% | 41th pct | 34th pct |
| Loan-to-share | 75.00% | 77th pct | 61th pct |
| Delinquency 60+ days | 0.04% | 5th pct | 7th pct |
| Net charge-off ratio | 0.42% | 66th pct | 70th pct |
| Loan growth YoY | 1.60% | 75th pct | 57th pct |
| Share growth YoY | 8.01% | 92th pct | 92th pct |
| Efficiency ratio | 59.82% | 10th pct | 10th pct |
structural peer set hash: c837eccda326abeb38cce80abb625bc4… (reproducible)
Closest structural peers
This is the free public view
Claim RAVALLI COUNTY
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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.