Ravalli County

Hamilton, MT · 1 · Charter #19732 · www.ravallicountyfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$84.9M
34th percentile
Members
6,118
36th percentile
Total loans
$57.6M
48th percentile
Total shares
$72.8M
35th percentile

Profitability

Return on assets
2.02%
92th percentile
Net interest margin
4.40%
86th percentile
Efficiency ratio
53.99%
75th percentile
Non-interest income ratio
13.55%
32th percentile

Capital & Risk

Net worth ratio
13.65%
66th percentile
Delinquency rate
0.04%
97th percentile
Net charge-off rate
-0.19%
100th percentile
Loan-to-share
79.15%
69th percentile

Growth

Member growth YoY
3.00%
85th percentile
Asset growth YoY
8.91%
84th percentile
Loan growth YoY
6.72%
77th percentile
Share growth YoY
7.86%
81th percentile

Operations

Members / branch
3,059
48th percentile
Assets / member
$13,876
45th percentile
Field of membership penetration
12.75%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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