State credit union · Whitefish, Montana · NCUA charter #68647
Park Side Financial
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $378.7M
- Total assets
- 30,155
- Members
- 9.3%
- Net-worth ratio
Park Side Financial scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $378.7M; members 30,155; net-worth ratio 9.32%; health rank #2,473 of 4,374; healthier than 43rd of scored peers.
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Park Side Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Park Side Financial sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Park Side Financial vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 78.39% vs peer 72.20% (+6.19 pp).
- Largest lag: Net Worth Ratio at 9.32% vs peer 12.11% (-2.79 pp).
Where Park Side Financial sits in Montana
- Health composite ranks #34 of 41 among scored Montana credit unions.
- Assets rank #6 of 41 inside Montana ($378.7M reported).
- Montana membership ordinal: #5 of 41.
- One place up in Montana, TRICOUNTY (#33) ties at 82/100; one place down, BILLINGS (#35) scores 81/100, 1 point lower.
Park Side Financial: 2025Q4 → 2026Q1
Park Side Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $378.7M (2025Q4) to $389.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (9.32% → 9.32%).
9.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Park Side Financial gives up 18 points in total. Return on Assets costs the most, 10.3 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.7 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 15.4 pts
Park Side Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -2.79 pp |
| Delinquency Rate | 0.21% | -0.68 pp |
| Return on Assets | 0.00% | -0.62 pp |
| Member Growth | -0.24% | - |
| Loan-to-Share Ratio | 78.39% | +6.19 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $389.1M | - |
| 2025Q4 | $378.7M | 30,155 |
| 2024Q4 | $377.3M | 30,227 |
| 2023Q4 | $398.0M | 30,250 |
Credit Union Details
- Charter Number
- 68647
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Whitefish
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Park Side Financial runs 8 offices in 5 different cities.
| Office | City |
|---|---|
| Whitefish (Main Office) | Whitefish, MT |
| Big Fork | Bigfork, MT |
| Columbia Falls | Columbia Falls, MT |
| Kalispell Sunset | Kalispell, MT |
| Evergreen | Kalispell, MT |
| Great Northern | Missoula, MT |
| Brooks | Missoula, MT |
| West Broadway | Missoula, MT |
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.
Cross-state Call Report peers for Park Side Financial
Similar total assets
Similar health score
Using this data
- Park Side Financial ranks #2,473 of 4,374 nationally on financial health and #34 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
Frequently Asked Questions
Is Park Side Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Park Side Financial scores 82/100 (Excellent), with a 9.32% net worth ratio and 0.21% of loans delinquent. It ranks #2,473 of 4,374 nationally on health and #34 of 41 in Montana.
How does Park Side Financial compare to other credit unions?
Park Side Financial scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.39% vs 72.20%). Its widest shortfall is net worth ratio (9.32% vs 12.11%).
How can I join Park Side Financial?
Membership eligibility for Park Side Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Park Side Financial directly for current membership requirements and application steps.
Is my money safe at Park Side Financial?
Park Side Financial is a state-chartered 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. Park Side Financial's net worth ratio of 9.32% 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.