Federal credit union · BUTTE, Montana · NCUA charter #21609
Northwestern Energy Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $33.8M
- Total assets
- 2,892
- Members
- 10.7%
- Net-worth ratio
Northwestern Energy Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.8M; members 2,892; net-worth ratio 10.68%; health rank #659 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#659 of 4,374 health · 2025Q4Northwestern Energy · health 93/100 · $33.8M · 2025Q4
- HEALTH 93/100
- NW 10.7%
- DELQ 0.17%
- ROA 0.83%
- ASSETS $33.8M
- MEM 2,892
- RANK #659/4,374
- PHOTO Knox County Teachers
- BOOK 21609
Call Report peers
Northwestern Energy Employees in the assets neighbourhood
Northwestern Energy Employees's $33.8M assets sit next to Knox County Teachers ($33.9M) 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.
Northwestern Energy 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
93 Top 16% higher than 84% 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
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.
Peer-gap read for Northwestern Energy Employees
- Loan-to-Share Ratio leads the peer set - 91.89% here, 59.80% peer average (+32.09 pp).
- Net Worth Ratio trails the peer set - 10.68% here, 14.86% peer average (-4.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northwestern Energy Employees: in-state Call Report ranks
- Montana health ordinal: #10 of 41.
- By total assets, Northwestern Energy Employees is #26 of 41 in Montana.
- Member book place in Montana: #25 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 Northwestern Energy Employees
Northwestern Energy Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $33.8M (2025Q4) to $35.3M (2026Q1).
- Net-worth ratio shifted -0.34 pp (11.02% → 10.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 13.7 pts
Northwestern Energy health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.68% | -4.18 pp |
| Delinquency Rate | 0.17% | -0.97 pp |
| Return on Assets | 0.83% | +0.12 pp |
| Member Growth | 0.28% | - |
| Loan-to-Share Ratio | 91.89% | +32.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Northwestern Energy Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.3M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Northwestern Energy Employees runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Northwestern Energy Employees Federal Credit Union (Main Office) | Butte, MT |
| Northwestern Energy Employees Federal Credit Union Colstrip | Colstrip, MT |
| CU*Northwest | Liberty Lake, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
More federally-insured credit unions based in Montana, ordered by peer group match and asset size.
Other-state peers near Northwestern Energy Employees
Cross-state asset and health neighbours for Northwestern Energy Employees - kept outside Montana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Northwestern Energy Employees ranks #659 of 4,374 nationally on financial health and #10 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Montana Educators' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Montana Educators'
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #659 of 4,374; by total assets it ranks #2,752 of 4,374 nationally (same basis as /rankings/largest); and #26 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 10.68% 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 10.68% 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.
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.