FROID
Charter #3602 · FROID, MT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 165 sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.31% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | FROID | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.25M | 21th pct | 7th pct |
| Members | 165 | 11th pct | 3th pct |
| Net worth ratio | 11.76% | 21th pct | 46th pct |
| Return on average assets | 1.05% | 73th pct | 72th pct |
| Net interest margin | 2.31% | 10th pct | 10th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 78.32% | 75th pct | 66th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -1.48% | 67th pct | 48th pct |
| Share growth YoY | 10.29% | 94th pct | 85th pct |
| Efficiency ratio | 54.23% | 11th pct | 11th pct |
structural peer set hash: c834e1aec8bd91b08faf92a05560f11f… (reproducible)
Closest structural peers
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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.