TRICOUNTY
Charter #8097 · Harlowton, MT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 227 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.56% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -1.20% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th 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 | TRICOUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.88M | 28th pct | 10th pct |
| Members | 227 | 17th pct | 7th pct |
| Net worth ratio | 9.56% | 12th pct | 13th pct |
| Return on average assets | -1.20% | 14th pct | 5th pct |
| Net interest margin | 3.39% | 30th pct | 41th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 53.04% | 44th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.95% | 87th pct | 92th pct |
| Loan growth YoY | -0.73% | 71th pct | 77th pct |
| Share growth YoY | 13.02% | 96th pct | 95th pct |
| Efficiency ratio | 115.82% | 86th pct | 93th pct |
structural peer set hash: 534356cdfc7b735d6bccb8f907a3d24a… (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.