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
- ASSETS 85/100
- MEM 8.7%
- RANK 1.13%
- PHOTO 0.58%
- BOOK $419.5M
- CHARTER 24,538
- NCUSIF #2,024/4,374
- CAMELS On Tap
- HEALTH 97110
Call Report peers
Rocky Mountain in the assets neighbourhood
Rocky Mountain's $419.5M assets sit next to On Tap ($419.6M) 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.
Rocky Mountain 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #97110. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Rocky Mountain
Rocky Mountain: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $419.5M (2025Q4) to $424.3M (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.80% → 8.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Rocky Mountain's nationwide photo peers by assets and by health score, excluding Montana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($419.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 Rocky Mountain financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Rocky Mountain carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,024 of 4,374; by total assets it ranks #835 of 4,374 nationally (same basis as /rankings/largest); and #5 of 41 within Montana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.72% net worth ratio and a 1.13% delinquency rate.
How does Rocky Mountain compare to other credit unions?
On PlainCU's health composite, Rocky Mountain lands at 85/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Rocky Mountain 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. Rocky Mountain's net worth ratio of 8.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rocky Mountain offer compared to banks?
Credit unions like Rocky Mountain 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 Rocky Mountain 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.