WHITEFISH CREDIT UNION ASSOCIATION
Charter #61949 · Whitefish, MT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.38% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.28% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.30% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 5th 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 | WHITEFISH CREDIT UNION ASSOCIATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.06B | 46th pct | 70th pct |
| Members | 64,905 | 14th pct | 41th pct |
| Net worth ratio | 12.55% | 77th pct | 74th pct |
| Return on average assets | 0.38% | 20th pct | 23th pct |
| Net interest margin | 2.28% | 4th pct | 7th pct |
| Cost of funds | 2.30% | 79th pct | 77th pct |
| Loan-to-share | 76.03% | 24th pct | 21th pct |
| Delinquency 60+ days | 0.08% | 1th pct | 3th pct |
| Net charge-off ratio | 0.03% | 1th pct | 5th pct |
| Loan growth YoY | 4.70% | 79th pct | 84th pct |
| Share growth YoY | 2.65% | 24th pct | 26th pct |
| Efficiency ratio | 83.34% | 88th pct | 75th pct |
structural peer set hash: b9dc3ed2b64c29f1cf85756d07210063… (reproducible)
Closest structural peers
This is the free public view
Claim WHITEFISH CREDIT UNION ASSOCIATION
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.