ROCKY MOUNTAIN
Charter #97110 · Helena, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,993 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.72% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.10% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.76% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.09% sits at the 84th 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 | ROCKY MOUNTAIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $424.26M | 93th pct | 87th pct |
| Members | 25,993 | 90th pct | 80th pct |
| Net worth ratio | 8.72% | 10th pct | 11th pct |
| Return on average assets | 0.10% | 11th pct | 5th pct |
| Net interest margin | 3.55% | 43th pct | 39th pct |
| Cost of funds | 1.76% | 79th pct | 90th pct |
| Loan-to-share | 72.83% | 52th pct | 41th pct |
| Delinquency 60+ days | 1.09% | 79th pct | 84th pct |
| Net charge-off ratio | 0.52% | 67th pct | 72th pct |
| Loan growth YoY | 2.57% | 72th pct | 59th pct |
| Share growth YoY | 3.64% | 53th pct | 48th pct |
| Efficiency ratio | 86.73% | 77th pct | 82th pct |
structural peer set hash: c86cf790bbb59736960fe7ffc77e3c86… (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.