The Morning Star

Lame Deer, MT · 1 · Charter #24943 · www.tmsfcu.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
$2.9M
16th percentile
Members
2,344
74th percentile
Total loans
$323.0K
7th percentile
Total shares
$2.4M
18th percentile

Profitability

Return on assets
-1.97%
3th percentile
Net interest margin
3.31%
27th percentile
Efficiency ratio
92.57%
10th percentile
Non-interest income ratio
81.44%
99th percentile

Capital & Risk

Net worth ratio
7.16%
2th percentile
Delinquency rate
8.94%
3th percentile
Net charge-off rate
25.09%
0th percentile
Loan-to-share
13.34%
3th percentile

Growth

Member growth YoY
33.56%
99th percentile
Asset growth YoY
43.73%
100th percentile
Loan growth YoY
-24.63%
4th percentile
Share growth YoY
53.16%
100th percentile

Operations

Members / branch
2,344
84th percentile
Assets / member
$1,253
2th percentile
Field of membership penetration
10.93%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for The Morning Star?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo