BILLINGS
Charter #887 · Billings, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 91.04% sits at the 85th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 54th — a 32-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 | BILLINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $218.00M | 56th pct | 51th pct |
| Members | 13,027 | 49th pct | 64th pct |
| Net worth ratio | 11.47% | 50th pct | 56th pct |
| Return on average assets | 0.31% | 23th pct | 26th pct |
| Net interest margin | 3.40% | 35th pct | 43th pct |
| Cost of funds | 1.92% | 86th pct | 54th pct |
| Loan-to-share | 95.47% | 96th pct | 80th pct |
| Delinquency 60+ days | 0.72% | 59th pct | 57th pct |
| Net charge-off ratio | 0.21% | 32th pct | 54th pct |
| Loan growth YoY | 1.02% | 57th pct | 46th pct |
| Share growth YoY | 3.89% | 56th pct | 59th pct |
| Efficiency ratio | 91.04% | 87th pct | 85th pct |
structural peer set hash: 6c235642327cdaaf925b8f5bc655ba3e… (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.