MONTANA
Charter #4164 · Great Falls, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.28% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.11% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 70th — a 20-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 | MONTANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $358.93M | 83th pct | 66th pct |
| Members | 26,193 | 90th pct | 70th pct |
| Net worth ratio | 12.35% | 62th pct | 64th pct |
| Return on average assets | 0.92% | 64th pct | 67th pct |
| Net interest margin | 3.91% | 67th pct | 70th pct |
| Cost of funds | 0.69% | 26th pct | 30th pct |
| Loan-to-share | 77.66% | 62th pct | 52th pct |
| Delinquency 60+ days | 0.28% | 20th pct | 23th pct |
| Net charge-off ratio | 0.11% | 20th pct | 15th pct |
| Loan growth YoY | 0.93% | 56th pct | 44th pct |
| Share growth YoY | 4.36% | 63th pct | 62th pct |
| Efficiency ratio | 78.68% | 50th pct | 48th pct |
structural peer set hash: 965b9c9ee746628e9541bb58d2e63af0… (reproducible)
Closest structural peers
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Claim MONTANA
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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.