Bitterroot Community

DARBY, MT · 1 · Charter #18964 · www.bitterrootcommunityfcu.c
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
$18.8M
60th percentile
Members
2,148
70th percentile
Total loans
$8.1M
58th percentile
Total shares
$17.1M
63th percentile

Profitability

Return on assets
1.18%
67th percentile
Net interest margin
4.05%
52th percentile
Efficiency ratio
77.57%
28th percentile
Non-interest income ratio
23.76%
88th percentile

Capital & Risk

Net worth ratio
8.29%
6th percentile
Delinquency rate
0.58%
54th percentile
Net charge-off rate
0.05%
67th percentile
Loan-to-share
47.63%
31th percentile

Growth

Member growth YoY
0.70%
75th percentile
Asset growth YoY
8.17%
88th percentile
Loan growth YoY
-3.01%
50th percentile
Share growth YoY
7.16%
84th percentile

Operations

Members / branch
1,074
49th percentile
Assets / member
$8,733
46th percentile
Field of membership penetration
5.37%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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