COMMUNITY 1ST
Charter #8588 · Miles City, MT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.16% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.69% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 38th — a 52-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 | COMMUNITY 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.07M | 90th pct | 38th pct |
| Members | 3,924 | 90th pct | 54th pct |
| Net worth ratio | 10.79% | 25th pct | 43th pct |
| Return on average assets | 1.11% | 72th pct | 72th pct |
| Net interest margin | 5.16% | 94th pct | 97th pct |
| Cost of funds | 0.96% | 56th pct | 28th pct |
| Loan-to-share | 85.26% | 90th pct | 62th pct |
| Delinquency 60+ days | 1.07% | 70th pct | 69th pct |
| Net charge-off ratio | 0.69% | 78th pct | 90th pct |
| Loan growth YoY | -2.90% | 46th pct | 13th pct |
| Share growth YoY | 7.34% | 88th pct | 82th pct |
| Efficiency ratio | 81.41% | 53th pct | 49th pct |
structural peer set hash: 26d9be94a7f9407ecd5494fee66cbf10… (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.