Federal credit union · Helena, Montana · NCUA charter #97110
Rocky Mountain
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $419.5M
- Total assets
- 24,538
- Members
- 8.7%
- Net-worth ratio
Rocky Mountain scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $419.5M; members 24,538; net-worth ratio 8.72%; health rank #2,024 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,024 of 4,374 health · 2025Q4Rocky Mountain · health 85/100 · $419.5M · 2025Q4
Call Report peers
Rocky Mountain in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rocky Mountain vs every NCUA-scored credit union
Rocky Mountain sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Rocky Mountain vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 73.41% here, 72.20% peer average (+1.21 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.39 pp (8.72% vs 12.11%).
Rocky Mountain: in-state Call Report ranks
- Montana health ordinal: #25 of 41.
- Montana assets place: #5 of 41.
- Montana membership ordinal: #7 of 41.
- One place up in Montana, FROID (#24) ties at 85/100; one place down, 1st Liberty (#26) scores 84/100, 1 point lower.
Quarter path for Rocky Mountain
Rocky Mountain: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $419.5M (2025Q4) to $424.3M (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.80% → 8.72%).
At 8.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Rocky Mountain gives up 15 points in total. Delinquency Rate costs the most, 6 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.72% | -3.39 pp |
| Delinquency Rate | 1.13% | +0.23 pp |
| Return on Assets | 0.58% | -0.05 pp |
| Member Growth | 0.35% | - |
| Loan-to-Share Ratio | 73.41% | +1.21 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $424.3M | - |
| 2025Q4 | $419.5M | 24,538 |
| 2024Q4 | $401.7M | 24,452 |
| 2023Q4 | $383.8M | 24,779 |
Credit Union Details
- Charter Number
- 97110
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Helena
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Rocky Mountain, spread across 4 cities.
| Office | City |
|---|---|
| North Montana (Main Office) | Helena, MT |
| Thunder Branch | Belgrade, MT |
| Bozeman Branch | Bozeman, MT |
| Baxter Branch | Bozeman, MT |
| Butte Branch | Butte, MT |
| 11th Avenue Branch | Helena, MT |
| Dredge Drive | Helena, 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.
Rocky Mountain nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Rocky Mountain ranks #2,024 of 4,374 nationally on financial health and #25 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Park Side Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Park Side Financial
Frequently Asked Questions
Is Rocky Mountain financially healthy?
Rocky Mountain has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,024 of 4,374 nationally on health and #25 of 41 in Montana. Its net worth ratio is 8.72% and its delinquency rate 1.13%.
How does Rocky Mountain compare to other credit unions?
Rocky Mountain scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.41% vs 72.20%). Its widest shortfall is net worth ratio (8.72% vs 12.11%).
How can I join Rocky Mountain?
Membership eligibility for Rocky Mountain depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rocky Mountain directly for current membership requirements and application steps.
Is my money safe at Rocky Mountain?
Rocky Mountain 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. Rocky Mountain's net worth ratio of 8.72% 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.