Federal credit union · Anaconda, Montana · NCUA charter #4401
Southwest Montana Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $206.7M
- Total assets
- 11,651
- Members
- 11.8%
- Net-worth ratio
Southwest Montana Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $206.7M; members 11,651; net-worth ratio 11.79%; health rank #1,116 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,116 of 4,374 health · 2025Q4Southwest Montana Community · health 90/100 · $206.7M · 2025Q4
- MEM 90/100
- RANK 11.8%
- PHOTO 1.41%
- BOOK 0.84%
- CHARTER $206.7M
- NCUSIF 11,651
- CAMELS #1,116/4,374
- HEALTH Credit Union of Ohio
- NW 4401
Call Report peers
Southwest Montana Community in the assets neighbourhood
Southwest Montana Community's $206.7M assets sit next to Credit Union of Ohio ($206.7M) 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.
Southwest Montana Community 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
90 Top 27% higher than 73% 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
Southwest Montana Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4401, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Southwest Montana Community diverges from peer averages
- Largest favorable gap: Return on Assets at 0.84% vs peer 0.62% (+0.22 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.93 pp (63.27% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southwest Montana Community sits in Montana
- Montana health ordinal: #15 of 41.
- Assets rank #11 of 41 inside Montana ($206.7M reported).
- Membership ranks #12 of 41 among Montana CUs with a reported count (11,651 members).
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southwest Montana Community: 2025Q4 → 2026Q1
Southwest Montana Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $206.7M (2025Q4) to $202.6M (2026Q1).
- Net-worth ratio shifted +0.44 pp (11.35% → 11.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Southwest Montana Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.79% | -0.32 pp |
| Delinquency Rate | 1.41% | +0.51 pp |
| Return on Assets | 0.84% | +0.22 pp |
| Member Growth | 44.45% | - |
| Loan-to-Share Ratio | 63.27% | -8.93 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 | $202.6M | - |
| 2025Q4 | $206.7M | 11,651 |
| 2024Q4 | $149.9M | 8,066 |
| 2023Q4 | $145.7M | 8,049 |
Credit Union Details
- Charter Number
- 4401
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Anaconda
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Southwest Montana Community runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Anaconda (Main Office) | Anaconda, MT |
| Butte | Butte, MT |
| Dillon | Dillon, MT |
| Sheridan | Sheridan, MT |
| Whitehall | Whitehall, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Southwest Montana Community - kept outside Montana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($206.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Southwest Montana Community ranks #1,116 of 4,374 nationally on financial health and #15 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SKY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SKY
- 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 Southwest Montana Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Southwest Montana Community carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,116 of 4,374; by total assets it ranks #1,255 of 4,374 nationally (same basis as /rankings/largest); and #11 of 41 within Montana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.79% net worth ratio and a 1.41% delinquency rate.
How does Southwest Montana Community compare to other credit unions?
90/100 is Southwest Montana Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Southwest Montana Community?
Southwest Montana Community 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 Southwest Montana Community directly for the exact boundaries and application steps.
Is my money safe at Southwest Montana Community?
Federal credit unions like Southwest Montana Community 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. Southwest Montana Community's net worth ratio of 11.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southwest Montana Community offer compared to banks?
Credit unions like Southwest Montana Community 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 Southwest Montana Community 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.