Intrepid

Helena, MT · 2 · Charter #68495 · www.intrepidcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$309.6M
18th percentile
Members
18,666
19th percentile
Total loans
$214.2M
26th percentile
Total shares
$265.0M
18th percentile

Profitability

Return on assets
0.32%
11th percentile
Net interest margin
3.76%
71th percentile
Efficiency ratio
72.32%
7th percentile
Non-interest income ratio
19.83%
55th percentile

Capital & Risk

Net worth ratio
10.76%
48th percentile
Delinquency rate
0.64%
57th percentile
Net charge-off rate
0.27%
66th percentile
Loan-to-share
80.85%
52th percentile

Growth

Member growth YoY
-10.68%
2th percentile
Asset growth YoY
1.97%
24th percentile
Loan growth YoY
-8.80%
3th percentile
Share growth YoY
3.73%
40th percentile

Operations

Members / branch
3,111
18th percentile
Assets / member
$16,585
54th percentile
Field of membership penetration
2.06%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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