BADLANDS
Charter #4227 · Glendive, MT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.65% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.34% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 28th — a 17-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 | BADLANDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.89M | 80th pct | 77th pct |
| Members | 2,198 | 54th pct | 62th pct |
| Net worth ratio | 7.65% | 3th pct | 2th pct |
| Return on average assets | 0.43% | 37th pct | 34th pct |
| Net interest margin | 2.90% | 14th pct | 26th pct |
| Cost of funds | 1.34% | 73th pct | 75th pct |
| Loan-to-share | 30.57% | 11th pct | 28th pct |
| Delinquency 60+ days | 1.04% | 70th pct | 66th pct |
| Net charge-off ratio | 0.42% | 68th pct | 69th pct |
| Loan growth YoY | 0.14% | 71th pct | 85th pct |
| Share growth YoY | 1.56% | 40th pct | 41th pct |
| Efficiency ratio | 81.74% | 53th pct | 52th pct |
structural peer set hash: f2f6da51ca299fad067d9c52128c313c… (reproducible)
Closest structural peers
This is the free public view
Claim BADLANDS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.