Federal credit union · Butte, Montana · NCUA charter #19896
Butte Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $35.1M
- Total assets
- 2,755
- Members
- 7.7%
- Net-worth ratio
Butte Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.1M; members 2,755; net-worth ratio 7.68%; health rank #1,361 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,361 of 4,374 health · 2025Q4Butte Community · health 89/100 · $35.1M · 2025Q4
- DELQ 89/100
- ROA 7.7%
- ASSETS 0.11%
- MEM 0.89%
- RANK $35.1M
- PHOTO 2,755
- BOOK #1,361/4,374
- CHARTER Hawaiian Electric Employees
- NCUSIF 19896
Call Report peers
Butte Community in the assets neighbourhood
Butte Community's $35.1M assets sit next to Hawaiian Electric Employees ($35.2M) 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.
Butte 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
89 Top 31% higher than 69% 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
Butte Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #19896, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Butte Community
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +12.98 pp (72.78% vs 59.80%).
- Largest lag: Net Worth Ratio at 7.68% vs peer 14.86% (-7.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Butte Community: in-state Call Report ranks
- Montana health ordinal: #17 of 41.
- By total assets, Butte Community is #24 of 41 in Montana.
- Membership ranks #26 of 41 among Montana CUs with a reported count (2,755 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.
Quarter path for Butte Community
Butte Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.6% from $35.1M (2025Q4) to $37.4M (2026Q1).
- Net-worth ratio shifted -0.64 pp (8.32% → 7.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 24.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 15.4 pts
Butte Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.68% | -7.18 pp |
| Delinquency Rate | 0.11% | -1.03 pp |
| Return on Assets | 0.89% | +0.18 pp |
| Member Growth | 0.33% | - |
| Loan-to-Share Ratio | 72.78% | +12.98 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).
Butte Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.4M | - |
| 2025Q4 | $35.1M | 2,755 |
| 2024Q4 | $30.9M | 2,746 |
| 2023Q4 | $30.0M | 2,691 |
Credit Union Details
- Charter Number
- 19896
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Montana
- City
- Butte
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Butte Community runs 3 offices in 3 different cities across 3 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Butte, MT |
| Data Vaulting | Lincoln, NE |
| Fiserv | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
Cross-state Call Report peers for Butte Community
Butte 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 ($35.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Butte Community ranks #1,361 of 4,374 nationally on financial health and #17 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Montana Educators' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Montana Educators'
- 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 Butte Community financially healthy?
Butte Community scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,361 of 4,374; by total assets it ranks #2,716 of 4,374 nationally (same basis as /rankings/largest); and #24 of 41 within Montana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.68% net worth ratio and a 0.11% delinquency rate.
How does Butte Community compare to other credit unions?
Butte Community scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Butte Community?
Butte 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 Butte Community directly for the exact boundaries and application steps.
Is my money safe at Butte Community?
Federal credit unions like Butte 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. Butte Community's net worth ratio of 7.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Butte Community offer compared to banks?
Credit unions like Butte 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 Butte 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.