MOUNTAIN WEST
Charter #8129 · Butte, MT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 2.18% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.65% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.49% sits at the 75th percentile of structural peers — worth a closer look.
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 | MOUNTAIN WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.02M | 47th pct | 36th pct |
| Members | 2,990 | 75th pct | 67th pct |
| Net worth ratio | 15.17% | 61th pct | 69th pct |
| Return on average assets | 0.82% | 58th pct | 48th pct |
| Net interest margin | 4.24% | 69th pct | 61th pct |
| Cost of funds | 0.95% | 56th pct | 49th pct |
| Loan-to-share | 69.97% | 70th pct | 59th pct |
| Delinquency 60+ days | 2.18% | 86th pct | 87th pct |
| Net charge-off ratio | 0.65% | 77th pct | 87th pct |
| Loan growth YoY | -1.36% | 59th pct | 44th pct |
| Share growth YoY | 11.47% | 97th pct | 89th pct |
| Efficiency ratio | 84.49% | 61th pct | 75th pct |
structural peer set hash: b536387b720ee96d3f9ddf8fc5eeec5f… (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.