Lame Deer, Montana · Peer group 2
The Morning Star Credit Union
The Morning Star Credit Union holds $2.5M in assets across 2,430 members as of Q1 2026 — about $1K of assets per member, on a charter dating to 2022. Charter number 24943, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.5M |
|---|---|
| Total loans | $319K |
| Total shares (deposits) | $2.1M |
| Net worth | $213K |
| Members | 2,430 |
| Assets per member | $1K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 9.8% | |
|---|---|---|
| Loans | -23.4% | lower than 93% of its peer group |
| Deposits | 11.3% | higher than 93% of its peer group |
| Members | 26.7% | higher than 99% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 15.2% | lower than 96% of its peer group |
|---|---|---|
| Net worth ratio | 8.4% | lower than 94% of its peer group |
| Return on assets | 0.42% | around the 50th percentile of its peer group |
| Delinquency ratio | 9.17% | higher than 99% of its peer group |
| Cash / assets | 89.5% | higher than 100% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is The Morning Star Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Montana — the comparison set a peer ratio is measured against.
- Tricounty Credit Union
Harlowton, MT
$1.9M · 227 members
- Froid Credit Union
FROID, MT
$1.2M · 165 members
- Northern Montana Hospital Credit Union
Havre, MT
$1.0M · 188 members
- M D U Employees Credit Union
Glendive, MT
$4.1M · 486 members
- St. Pats Employees Credit Union
Missoula, MT
$5.5M · 649 members
- Deer Lodge County School Emp Credit Union
Anaconda, MT
$9.9M · 476 members
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