Federal credit union · BUTTE, Montana · NCUA charter #21609

Northwestern Energy Employees

Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

93
Health / 100
$33.8M
Total assets
2,892
Members
11.0%
Net-worth ratio

Northwestern Energy Employees - Share Insurance Coverage

Charter #21609's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Northwestern Energy Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Northwestern Energy Employees holds approximately $29.9M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.0% · $29.9M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Northwestern Energy Employees - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 11.02% 30% weight
  • Asset quality (delinquency) 0.17% 25% weight
  • Earnings (ROA) 0.83% 15% weight
  • Member growth 0.28% 15% weight
  • Liquidity (loan-to-share) 92% 15% weight

Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 73.5%

At 11.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$33.8M
Total Assets
2,892
Members
$27.5M
Total Loans
$29.9M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 11.02% 30%
Delinquency Rate 0.17% 25%
Return on Assets 0.83% 15%
Member Growth 0.28% 15%
Loan-to-Share Ratio 91.89% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $33.8M 2,892
2024Q4 $33.4M 2,884
2023Q4 $34.5M 2,812

Credit Union Details

Charter Number
21609
Type
Federal
Field of Membership
Community
Peer Group
$10M–$50M
State
Montana
City
BUTTE
Data Quarter
2025Q4

What This Data Says About Northwestern Energy Employees

Headquartered in BUTTE, Montana, Northwestern Energy Employees is a federal credit union with 2,892 members, $33.8M in total assets, and $27.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 11.02% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21609 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Deposits deployed into lending sit at a 91.89% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.17% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.83% on net income of $281K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 0.28%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Montana

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Compare Northwestern Energy Employees vs MONTANA EDUCATORS'

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Northwestern Energy Employees financially healthy?

Northwestern Energy Employees has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.02% and delinquency rate of 0.17%.

How does Northwestern Energy Employees compare to other credit unions?

Five weighted metrics from NCUA filings produce Northwestern Energy Employees's 93/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Northwestern Energy Employees?

Northwestern Energy 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 Northwestern Energy Employees directly for the exact boundaries and application steps.

Is my money safe at Northwestern Energy Employees?

Federal credit unions like Northwestern Energy 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. Northwestern Energy Employees's net worth ratio of 11.02% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Northwestern Energy Employees offer compared to banks?

Credit unions like Northwestern Energy 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 Northwestern Energy Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

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.