Federal credit union · DARBY, Montana · NCUA charter #18964
Bitterroot Community
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $18.8M
- Total assets
- 2,148
- Members
- 8.6%
- Net-worth ratio
Bitterroot Community scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.8M; members 2,148; net-worth ratio 8.58%; health rank #1,867 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,867 of 4,374 health · 2025Q4Bitterroot Community · health 86/100 · $18.8M · 2025Q4
- ROA 86/100
- ASSETS 8.6%
- MEM 0.58%
- RANK 0.84%
- PHOTO $18.8M
- BOOK 2,148
- CHARTER #1,867/4,374
- NCUSIF Summit Ridge
- CAMELS 18964
Call Report peers
Bitterroot Community in the assets neighbourhood
Bitterroot Community's $18.8M assets sit next to Summit Ridge ($18.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bitterroot Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bitterroot Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18964. See our deposit-insurance coverage note.
Bitterroot Community: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.57 pp (0.58% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.17 pp (47.63% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Bitterroot Community: in-state Call Report ranks
- Montana health ordinal: #23 of 41.
- Assets rank #32 of 41 inside Montana ($18.8M reported).
- Membership ranks #29 of 41 among Montana CUs with a reported count (2,148 members).
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Bitterroot Community's 5300 filing moved
Bitterroot Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $18.8M (2025Q4) to $18.6M (2026Q1).
- Net-worth ratio shifted +0.29 pp (8.29% → 8.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.58% | -6.28 pp |
| Delinquency Rate | 0.58% | -0.57 pp |
| Return on Assets | 0.84% | +0.14 pp |
| Member Growth | 0.70% | - |
| Loan-to-Share Ratio | 47.63% | -12.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Bitterroot Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.6M | - |
| 2025Q4 | $18.8M | 2,148 |
| 2024Q4 | $17.3M | 2,133 |
| 2023Q4 | $18.0M | 2,116 |
Credit Union Details
- Charter Number
- 18964
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Montana
- City
- DARBY
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Bitterroot Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Darby, MT |
| Bitterroot Community FCU - Hamilton Branch | Hamilton, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Bitterroot Community's nationwide photo peers by assets and by health score, excluding Montana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Bitterroot Community ranks #1,867 of 4,374 nationally on financial health and #23 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Family First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Family First
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bitterroot Community financially healthy?
A 8.58% net worth ratio and a 0.58% delinquency rate feed into Bitterroot Community's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,867 of 4,374; by total assets it ranks #3,186 of 4,374 nationally (same basis as /rankings/largest); and #32 of 41 within Montana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Bitterroot Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Bitterroot Community's 86/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bitterroot Community?
Bitterroot Community 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 Bitterroot Community directly for the exact boundaries and application steps.
Is my money safe at Bitterroot Community?
Federal credit unions like Bitterroot Community are 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. Bitterroot Community's net worth ratio of 8.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bitterroot Community offer compared to banks?
Credit unions like Bitterroot Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bitterroot Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.