Montana Educators'

Missoula, MT · 2 · Charter #68190 · www.mtedcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$34.3M
83th percentile
Members
1,678
57th percentile
Total loans
$24.4M
94th percentile
Total shares
$31.0M
86th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
3.86%
46th percentile
Efficiency ratio
54.49%
76th percentile
Non-interest income ratio
14.36%
67th percentile

Capital & Risk

Net worth ratio
9.52%
13th percentile
Delinquency rate
0.46%
60th percentile
Net charge-off rate
0.02%
71th percentile
Loan-to-share
78.81%
75th percentile

Growth

Member growth YoY
-5.94%
13th percentile
Asset growth YoY
11.73%
94th percentile
Loan growth YoY
16.14%
94th percentile
Share growth YoY
11.71%
93th percentile

Operations

Members / branch
1,678
70th percentile
Assets / member
$20,462
96th percentile
Field of membership penetration
1.12%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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