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
- CAMELS 97/100
- HEALTH 12.6%
- NW 0.41%
- DELQ 1.27%
- ROA $25.3M
- ASSETS 1,987
- MEM #174/4,374
- RANK OK
- PHOTO 7405
Call Report peers
SEG in the assets neighbourhood
SEG's $25.3M assets sit next to OK ($25.2M) 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.
SEG 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
97 Top 5% higher than 95% 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
SEG - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7405 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SEG Call Report trajectory
SEG: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $25.3M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.35% → 12.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
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).
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
Two NCUA Call Report peer sets for SEG, both outside Montana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- 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 SEG financially healthy?
SEG has a financial health score of 97/100 (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 #174 of 4,374; by total assets it ranks #2,986 of 4,374 nationally (same basis as /rankings/largest); and #29 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 12.57% and delinquency rate of 0.41%.
How does SEG compare to other credit unions?
On PlainCU's health composite, SEG lands at 97/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like SEG 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. SEG's net worth ratio of 12.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SEG offer compared to banks?
Credit unions like SEG 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 SEG 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.