INTREPID
Charter #68495 · Helena, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Share growth YoY, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 56th — a 19-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 | INTREPID | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $310.48M | 75th pct | 62th pct |
| Members | 18,704 | 73th pct | 66th pct |
| Net worth ratio | 10.89% | 41th pct | 57th pct |
| Return on average assets | 0.65% | 46th pct | 51th pct |
| Net interest margin | 3.92% | 68th pct | 56th pct |
| Cost of funds | 1.35% | 58th pct | 44th pct |
| Loan-to-share | 79.65% | 67th pct | 52th pct |
| Delinquency 60+ days | 0.49% | 40th pct | 26th pct |
| Net charge-off ratio | 0.33% | 47th pct | 41th pct |
| Loan growth YoY | -3.04% | 17th pct | 10th pct |
| Share growth YoY | 2.58% | 36th pct | 56th pct |
| Efficiency ratio | 83.17% | 67th pct | 61th pct |
structural peer set hash: 3672e7f4494652b8b6eba0b052b2d566… (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.