Federal credit union · LAUREL, Montana · NCUA charter #7405
SEG
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $25.3M
- Total assets
- 1,987
- Members
- 12.6%
- Net-worth ratio
SEG scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.3M; members 1,987; net-worth ratio 12.57%; health rank #174 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#174 of 4,374 health · 2025Q4SEG · health 97/100 · $25.3M · 2025Q4
Call Report peers
SEG in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SEG vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SEG sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for SEG
- Loan-to-Share Ratio leads the peer set - 79.10% here, 59.80% peer average (+19.30 pp).
- Largest lag: Net Worth Ratio at 12.57% vs peer 14.86% (-2.29 pp).
Montana standing for SEG
- In Montana, health place is #3 of 41 on the same NCUA-ratio sort used nationally.
- Montana assets place: #29 of 41.
- Montana membership ordinal: #30 of 41.
- One place up in Montana, Ravalli County (#2) scores 98/100, 1 point higher; one place down, Valley Financial (#4) ties at 97/100.
SEG Call Report trajectory
SEG: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $25.3M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.35% → 12.57%).
12.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
SEG gives up 3 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.57% | -2.29 pp |
| Delinquency Rate | 0.41% | -0.73 pp |
| Return on Assets | 1.27% | +0.56 pp |
| Member Growth | 2.21% | - |
| Loan-to-Share Ratio | 79.10% | +19.30 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - SEG
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.5M | - |
| 2025Q4 | $25.3M | 1,987 |
| 2024Q4 | $25.6M | 1,944 |
| 2023Q4 | $23.1M | 1,925 |
Credit Union Details
- Charter Number
- 7405
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Montana
- City
- LAUREL
- Data Quarter
- 2025Q4
Branch Location
SEG operates a single office in Laurel, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SEG Federal Credit Union (Main Office) | Laurel, 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.
Other-state peers near SEG
Using this data
- SEG ranks #174 of 4,374 nationally on financial health and #3 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Glendive Bn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Glendive Bn
Frequently Asked Questions
Is SEG financially healthy?
SEG has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #174 of 4,374 nationally on health and #3 of 41 in Montana. Its net worth ratio is 12.57% and its delinquency rate 0.41%.
How does SEG compare to other credit unions?
SEG scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (79.10% vs 59.80%). Its widest shortfall is net worth ratio (12.57% vs 14.86%).
How can I join SEG?
SEG 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 SEG directly for the exact boundaries and application steps.
Is my money safe at SEG?
SEG 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. SEG's net worth ratio of 12.57% 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.