Federal credit union · DARBY, Montana · NCUA charter #18964
Bitterroot Community
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $18.8M
- Total assets
- 2,148
- Members
- 8.3%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)86
- Asset quality (delinquency)97
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)69
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.29% | 30% |
| Delinquency Rate | 0.58% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | 0.70% | 15% |
| Loan-to-Share Ratio | 47.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Bitterroot Community
The five-factor composite scores Bitterroot Community at 85/100 (Excellent), reflecting a net worth ratio of 8.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in DARBY, Montana, reports 2,148 members, $18.8M in total assets, and $8.1M in outstanding loans as of Q4 2025 under charter #18964 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.58% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 47.63% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.84% on net income of $158K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.70%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Bitterroot Community financially healthy?
A 8.29% net worth ratio and a 0.58% delinquency rate feed into Bitterroot Community's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. 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 85/100 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 8.29% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.