Federal credit union · Glendive, Montana · NCUA charter #4227
BADLANDS
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $39.4M
- Total assets
- 2,190
- Members
- 7.6%
- Net-worth ratio
BADLANDS scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.4M; members 2,190; net-worth ratio 7.65%; health rank #3,677 of 4,374; healthier than 16th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,677 of 4,374 health · 2025Q4BADLANDS · health 69/100 · $39.4M · 2025Q4
Call Report peers
BADLANDS in the assets neighbourhood
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BADLANDS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BADLANDS sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where BADLANDS diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 29.39% here, 59.80% peer average (-30.41 pp).
Montana standing for BADLANDS
- Montana health ordinal: #38 of 41.
- Montana assets place: #23 of 41.
- Member book place in Montana: #28 of 41.
- One place up in Montana, St. Pats Employees (#37) scores 75/100, 6 points higher; one place down, The Morning Star (#39) scores 63/100, 6 points lower.
BADLANDS Call Report trajectory
BADLANDS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $39.4M (2025Q4) to $38.9M (2026Q1).
- Net-worth ratio shifted +0.22 pp (7.43% → 7.65%).
7.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
BADLANDS gives up 31 points in total. Delinquency Rate costs the most, 7.6 of its 25; Return on Assets loses the least, 5.4.
- Net Worth Ratio 24.1 pts
- Delinquency Rate 17.4 pts
- Return on Assets 9.6 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for BADLANDS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.65% | -7.21 pp |
| Delinquency Rate | 1.34% | +0.20 pp |
| Return on Assets | 0.14% | -0.56 pp |
| Member Growth | 0.23% | - |
| Loan-to-Share Ratio | 29.39% | -30.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - BADLANDS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.9M | - |
| 2025Q4 | $39.4M | 2,190 |
| 2024Q4 | $37.4M | 2,185 |
| 2023Q4 | $37.5M | 2,188 |
Credit Union Details
- Charter Number
- 4227
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Montana
- City
- Glendive
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, BADLANDS runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Glendive, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
More federally-insured credit unions based in Montana, ordered by peer group match and asset size.
Cross-state Call Report peers for BADLANDS
Using this data
- BADLANDS ranks #3,677 of 4,374 nationally on financial health and #38 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community 1st
Frequently Asked Questions
Is BADLANDS financially healthy?
BADLANDS has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,677 of 4,374 nationally on health and #38 of 41 in Montana. Its net worth ratio is 7.65% and its delinquency rate 1.34%.
How does BADLANDS compare to other credit unions?
BADLANDS scores 69/100, higher than 16% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (29.39% vs 59.80%).
How can I join BADLANDS?
BADLANDS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BADLANDS directly for the exact boundaries and application steps.
Is my money safe at BADLANDS?
BADLANDS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BADLANDS's net worth ratio of 7.65% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.