SEG
Charter #7405 · LAUREL, MT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.40% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.83% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.26% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 20th — a 29-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 | SEG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.54M | 51th pct | 61th pct |
| Members | 1,992 | 46th pct | 33th pct |
| Net worth ratio | 12.57% | 42th pct | 41th pct |
| Return on average assets | 1.40% | 82th pct | 79th pct |
| Net interest margin | 3.83% | 49th pct | 20th pct |
| Cost of funds | 1.28% | 70th pct | 59th pct |
| Loan-to-share | 79.30% | 84th pct | 62th pct |
| Delinquency 60+ days | 0.26% | 33th pct | 25th pct |
| Net charge-off ratio | -0.01% | 19th pct | 15th pct |
| Loan growth YoY | 2.71% | 85th pct | 82th pct |
| Share growth YoY | 2.67% | 52th pct | 52th pct |
| Efficiency ratio | 71.15% | 29th pct | 28th pct |
structural peer set hash: 94ba0a2aa8f71488900606c9b8f1f5b7… (reproducible)
Closest structural peers
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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.