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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); M D U Employees sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Montana, Glendive Bn (#11) ties at 91/100; one place down, Whitefish Credit Union Association (#13) ties at 91/100.
Quarter path for M D U Employees
M D U Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $4.1M (2025Q4) to $4.1M (2026Q1).
- Net-worth ratio shifted +0.20 pp (16.90% → 17.10%).
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
M D U Employees gives up 9 points in total. Member Growth costs the most, 8.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is M D U Employees financially healthy?
M D U Employees has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #893 of 4,374 nationally on health and #12 of 41 in Montana. Its net worth ratio is 17.10% and its delinquency rate 0.00%.
How does M D U Employees compare to other credit unions?
M D U Employees scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (79.57% vs 63.60%). Its widest shortfall is net worth ratio (17.10% vs 19.06%).
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?
M D U Employees 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. M D U Employees's net worth ratio of 17.10% 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.