THE MORNING STAR
Charter #24943 · Lame Deer, MT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,430 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.39% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 9.17% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 13.24% sits at the 98th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 39th — a 32-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 | THE MORNING STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.54M | 36th pct | 49th pct |
| Members | 2,430 | 98th pct | 92th pct |
| Net worth ratio | 8.39% | 7th pct | 13th pct |
| Return on average assets | 0.39% | 49th pct | 46th pct |
| Net interest margin | 3.28% | 27th pct | 51th pct |
| Cost of funds | 0.03% | 14th pct | 31th pct |
| Loan-to-share | 15.17% | 7th pct | 39th pct |
| Delinquency 60+ days | 9.17% | 94th pct | 90th pct |
| Net charge-off ratio | 13.24% | 99th pct | 98th pct |
| Loan growth YoY | -17.44% | 9th pct | 18th pct |
| Share growth YoY | 14.76% | 97th pct | 98th pct |
| Efficiency ratio | 86.61% | 52th pct | 57th pct |
structural peer set hash: ce29b4a07778bbe3ad6a47d9c5fe8a51… (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.