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
- PHOTO 79/100
- BOOK 10.9%
- CHARTER 0.64%
- NCUSIF 0.19%
- CAMELS $309.6M
- HEALTH 18,666
- NW #2,874/4,374
- DELQ Forest Area
- ROA 68495
Call Report peers
INTREPID in the assets neighbourhood
INTREPID's $309.6M assets sit next to Forest Area ($309.6M) 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.
INTREPID 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
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
INTREPID - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68495 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 INTREPID
INTREPID: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $309.6M (2025Q4) to $310.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.76% → 10.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
INTREPID's nationwide photo peers by assets and by health score, excluding Montana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($309.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 INTREPID financially healthy?
INTREPID has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,874 of 4,374; by total assets it ranks #1,021 of 4,374 nationally (same basis as /rankings/largest); and #8 of 41 within Montana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.89% and delinquency rate of 0.64%.
How does INTREPID compare to other credit unions?
INTREPID scores 79/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like INTREPID 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. INTREPID's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTREPID offer compared to banks?
Credit unions like INTREPID 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 INTREPID 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.