Froid

FROID, MT · 1 · Charter #3602
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
$1.2M
8th percentile
Members
165
5th percentile
Total loans
$879.5K
13th percentile
Total shares
$1.0M
10th percentile

Profitability

Return on assets
0.94%
57th percentile
Net interest margin
2.81%
15th percentile
Efficiency ratio
52.33%
80th percentile
Non-interest income ratio
0.37%
9th percentile

Capital & Risk

Net worth ratio
12.30%
32th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
85.99%
84th percentile

Growth

Member growth YoY
-4.62%
19th percentile
Asset growth YoY
17.35%
98th percentile
Loan growth YoY
14.97%
94th percentile
Share growth YoY
18.72%
98th percentile

Operations

Members / branch
165
6th percentile
Assets / member
$7,070
31th percentile
Field of membership penetration
41.25%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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