Community 1st

Miles City, MT · 1 · Charter #8588 · www.c1stfcu.com
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
$41.6M
92th percentile
Members
3,895
94th percentile
Total loans
$33.1M
99th percentile
Total shares
$36.1M
93th percentile

Profitability

Return on assets
0.91%
55th percentile
Net interest margin
4.83%
79th percentile
Efficiency ratio
70.97%
41th percentile
Non-interest income ratio
10.19%
53th percentile

Capital & Risk

Net worth ratio
11.27%
25th percentile
Delinquency rate
1.06%
39th percentile
Net charge-off rate
0.60%
28th percentile
Loan-to-share
91.59%
88th percentile

Growth

Member growth YoY
0.41%
72th percentile
Asset growth YoY
6.40%
82th percentile
Loan growth YoY
2.15%
71th percentile
Share growth YoY
5.57%
78th percentile

Operations

Members / branch
1,948
77th percentile
Assets / member
$10,693
62th percentile
Field of membership penetration
14.32%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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