Billings

Billings, MT · 1 · Charter #887 · www.billingsfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$217.5M
93th percentile
Members
12,985
83th percentile
Total loans
$177.3M
99th percentile
Total shares
$181.5M
92th percentile

Profitability

Return on assets
0.53%
19th percentile
Net interest margin
3.29%
30th percentile
Efficiency ratio
64.82%
43th percentile
Non-interest income ratio
25.33%
84th percentile

Capital & Risk

Net worth ratio
11.42%
40th percentile
Delinquency rate
0.69%
52th percentile
Net charge-off rate
0.39%
44th percentile
Loan-to-share
97.69%
94th percentile

Growth

Member growth YoY
2.08%
80th percentile
Asset growth YoY
2.12%
35th percentile
Loan growth YoY
0.81%
47th percentile
Share growth YoY
3.33%
50th percentile

Operations

Members / branch
3,246
53th percentile
Assets / member
$16,753
69th percentile
Field of membership penetration
6.94%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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