Federal credit union · Glendive, Montana · NCUA charter #11331
M D U Employees
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $4.1M
- Total assets
- 485
- Members
- 17.1%
- Net-worth ratio
M D U Employees scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.1M; members 485; net-worth ratio 17.10%; health rank #893 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#893 of 4,374 health · 2025Q4M D U Employees · health 91/100 · $4.1M · 2025Q4
- ASSETS 91/100
- MEM 17.1%
- RANK 0.00%
- PHOTO 1.04%
- BOOK $4.1M
- CHARTER 485
- NCUSIF #893/4,374
- CAMELS n/a
- HEALTH 11331
Call Report peers
M D U Employees carries $4.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
M D U Employees 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
91 Top 23% higher than 77% 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
M D U Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11331: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
M D U Employees vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 79.57% vs peer 63.60% (+15.97 pp).
- Net Worth Ratio trails the peer set - 17.10% here, 19.06% peer average (-1.96 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where M D U Employees sits in Montana
- Health composite ranks #12 of 41 among scored Montana credit unions.
- By total assets, M D U Employees is #37 of 41 in Montana.
- Member book place in Montana: #37 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 M D U Employees
M D U Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $4.1M (2025Q4) to $4.1M (2026Q1).
- Net-worth ratio shifted +0.20 pp (16.90% → 17.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.10% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.10% | -1.96 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.04% | +0.59 pp |
| Member Growth | -1.62% | - |
| Loan-to-Share Ratio | 79.57% | +15.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.1M | - |
| 2025Q4 | $4.1M | 485 |
| 2024Q4 | $4.0M | 493 |
| 2023Q4 | $4.1M | 504 |
Credit Union Details
- Charter Number
- 11331
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Montana
- City
- Glendive
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for M D U Employees.
| Office | City |
|---|---|
| MDU Employees Federal Credit Union (Main Office) | Glendive, MT |
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 M D U Employees
Two NCUA Call Report peer sets for M D U Employees, both outside Montana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- M D U Employees ranks #893 of 4,374 nationally on financial health and #12 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Morning Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Morning Star
- 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 M D U Employees financially healthy?
M D U Employees has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #893 of 4,374; by total assets it ranks #3,962 of 4,374 nationally (same basis as /rankings/largest); and #37 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 17.10% and delinquency rate of 0.00%.
How does M D U Employees compare to other credit unions?
91/100 is M D U Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 M D U Employees?
M D U Employees 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 M D U Employees directly for the exact boundaries and application steps.
Is my money safe at M D U Employees?
Federal credit unions like M D U Employees 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. M D U Employees's net worth ratio of 17.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does M D U Employees offer compared to banks?
Credit unions like M D U Employees 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 M D U Employees 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.