Federal credit union · FROID, Montana · NCUA charter #3602
FROID
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.2M
- Total assets
- 165
- Members
- 11.8%
- Net-worth ratio
FROID scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 165; net-worth ratio 11.76%; health rank #1,979 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,979 of 4,374 health · 2025Q4FROID · health 85/100 · $1.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FROID vs every NCUA-scored credit union
FROID sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
FROID: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 85.99% here, 52.70% peer average (+33.29 pp).
- Net Worth Ratio trails the peer set - 11.76% here, 22.93% peer average (-11.17 pp).
Montana standing for FROID
- Health composite ranks #24 of 41 among scored Montana credit unions.
- By total assets, FROID is #40 of 41 in Montana.
- Montana membership ordinal: #41 of 41.
- One place up in Montana, Bitterroot Community (#23) scores 86/100, 1 point higher; one place down, Rocky Mountain (#25) ties at 85/100.
How FROID's 5300 filing moved
FROID: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.9% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted -0.54 pp (12.30% → 11.76%).
At 11.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
FROID gives up 15 points in total. Member Growth costs the most, 14.3 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.0 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 15.3 pts
FROID vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.76% | -11.17 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.43% | +0.21 pp |
| Member Growth | -4.62% | - |
| Loan-to-Share Ratio | 85.99% | +33.29 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 2025Q4 | $1.2M | 165 |
| 2024Q4 | $994K | 173 |
| 2023Q4 | $1.1M | 194 |
Credit Union Details
- Charter Number
- 3602
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Montana
- City
- FROID
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for FROID.
| Office | City |
|---|---|
| Main Office (Main Office) | Froid, 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.
Other-state peers near FROID
Similar health score
Using this data
- FROID ranks #1,979 of 4,374 nationally on financial health and #24 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Montana Hospital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Montana Hospital
Frequently Asked Questions
Is FROID financially healthy?
FROID has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,979 of 4,374 nationally on health and #24 of 41 in Montana. Its net worth ratio is 11.76% and its delinquency rate 0.00%.
How does FROID compare to other credit unions?
FROID scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (85.99% vs 52.70%). Its widest shortfall is net worth ratio (11.76% vs 22.93%).
How can I join FROID?
FROID 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 FROID directly for the exact boundaries and application steps.
Is my money safe at FROID?
FROID 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. FROID's net worth ratio of 11.76% 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.