SOUTHWEST MONTANA COMMUNITY
Charter #4401 · Anaconda, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.99% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.37% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.26% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.78% ranks in the 18th 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 | SOUTHWEST MONTANA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $202.59M | 52th pct | 51th pct |
| Members | 11,541 | 41th pct | 46th pct |
| Net worth ratio | 11.79% | 54th pct | 54th pct |
| Return on average assets | 0.85% | 60th pct | 62th pct |
| Net interest margin | 3.99% | 70th pct | 82th pct |
| Cost of funds | 0.88% | 32th pct | 34th pct |
| Loan-to-share | 63.42% | 33th pct | 43th pct |
| Delinquency 60+ days | 1.37% | 87th pct | 82th pct |
| Net charge-off ratio | 1.26% | 93th pct | 97th pct |
| Loan growth YoY | -3.37% | 14th pct | 13th pct |
| Share growth YoY | -2.40% | 2th pct | 2th pct |
| Efficiency ratio | 70.78% | 26th pct | 18th pct |
structural peer set hash: 7f6f844543aaf6b4892ff7ae2615faf2… (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.