State credit union · Helena, Montana · NCUA charter #68495
INTREPID
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $309.6M
- Total assets
- 18,666
- Members
- 10.9%
- Net-worth ratio
INTREPID scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $309.6M; members 18,666; net-worth ratio 10.89%; health rank #2,874 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,874 of 4,374 health · 2025Q4INTREPID · health 79/100 · $309.6M · 2025Q4
Call Report peers
INTREPID in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INTREPID vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INTREPID sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Where INTREPID diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +8.65 pp (80.85% vs 72.20%).
- Net Worth Ratio trails the peer set - 10.89% here, 12.11% peer average (-1.22 pp).
INTREPID in Montana
- Health composite ranks #36 of 41 among scored Montana credit unions.
- Montana assets place: #8 of 41.
- Member book place in Montana: #8 of 41.
- One place up in Montana, BILLINGS (#35) scores 81/100, 2 points higher; one place down, St. Pats Employees (#37) scores 75/100, 4 points lower.
Quarter path for INTREPID
INTREPID: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $309.6M (2025Q4) to $310.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.76% → 10.89%).
At 10.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
INTREPID gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 10.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for INTREPID
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -1.22 pp |
| Delinquency Rate | 0.64% | -0.25 pp |
| Return on Assets | 0.19% | -0.43 pp |
| Member Growth | -10.68% | - |
| Loan-to-Share Ratio | 80.85% | +8.65 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $310.5M | - |
| 2025Q4 | $309.6M | 18,666 |
| 2024Q4 | $303.6M | 20,897 |
| 2023Q4 | $314.9M | 20,521 |
Credit Union Details
- Charter Number
- 68495
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Helena
- Data Quarter
- 2025Q4
Branch Locations (7)
INTREPID operates 7 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Helena - Great Northern Town Center (Main Office) | Helena, MT |
| Billings - 27th Street | Billings, MT |
| Billings - Shiloh | Billings, MT |
| Bozeman - Jacob's Crossing | Bozeman, MT |
| Helena - Kessler | Helena, MT |
| Helena - Prospect | Helena, MT |
| Helena - Sanders | Helena, 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 INTREPID
Using this data
- INTREPID ranks #2,874 of 4,374 nationally on financial health and #36 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MONTANA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MONTANA
Frequently Asked Questions
Is INTREPID financially healthy?
On its 2025Q4 NCUA 5300 filing, INTREPID scores 79/100 (Very Good), with a 10.89% net worth ratio and 0.64% of loans delinquent. It ranks #2,874 of 4,374 nationally on health and #36 of 41 in Montana.
How does INTREPID compare to other credit unions?
INTREPID scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.85% vs 72.20%). Its widest shortfall is net worth ratio (10.89% vs 12.11%).
How can I join INTREPID?
Membership eligibility for INTREPID depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INTREPID directly for current membership requirements and application steps.
Is my money safe at INTREPID?
INTREPID is a state-chartered 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. INTREPID's net worth ratio of 10.89% 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.