Clearwater

Missoula, MT · 1 · Charter #11300 · www.clearwatercreditunion.or
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
11th percentile
Members
66,586
15th percentile
Total loans
$838.8M
12th percentile
Total shares
$894.3M
6th percentile

Profitability

Return on assets
0.67%
26th percentile
Net interest margin
3.47%
67th percentile
Efficiency ratio
54.33%
38th percentile
Non-interest income ratio
16.40%
35th percentile

Capital & Risk

Net worth ratio
12.50%
77th percentile
Delinquency rate
0.82%
43th percentile
Net charge-off rate
0.30%
77th percentile
Loan-to-share
93.79%
63th percentile

Growth

Member growth YoY
5.02%
77th percentile
Asset growth YoY
4.08%
35th percentile
Loan growth YoY
4.36%
45th percentile
Share growth YoY
7.70%
68th percentile

Operations

Members / branch
5,549
23th percentile
Assets / member
$17,170
41th percentile
Field of membership penetration
6.74%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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