State credit union · Whitefish, Montana · NCUA charter #61949
Whitefish Credit Union Association
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.11B
- Total assets
- 64,277
- Members
- 12.6%
- Net-worth ratio
Whitefish Credit Union Association scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.11B; members 64,277; net-worth ratio 12.55%; health rank #934 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#934 of 4,374 health · 2025Q4Whitefish · health 91/100 · $2.11B · 2025Q4
- BOOK 91/100
- CHARTER 12.6%
- NCUSIF 0.16%
- CAMELS 0.11%
- HEALTH $2.11B
- NW 64,277
- DELQ #934/4,374
- ROA Canyon View
- ASSETS 61949
Call Report peers
Whitefish Credit Union Association in the assets neighbourhood
Whitefish Credit Union Association's $2.11B assets sit next to Canyon View ($2.11B) 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.
Whitefish Credit Union Association 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
91 Top 23% higher than 77% 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
Whitefish Credit Union Association - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61949. See our deposit-insurance coverage note.
Whitefish Credit Union Association vs Over $500M peers
- Net Worth Ratio leads the peer set - 12.55% here, 11.18% peer average (+1.37 pp).
- Loan-to-Share Ratio trails the peer set - 73.83% here, 83.90% peer average (-10.07 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Montana standing for Whitefish Credit Union Association
- Montana health ordinal: #13 of 41.
- By total assets, Whitefish Credit Union Association is #1 of 41 in Montana.
- Membership ranks #2 of 41 among Montana CUs with a reported count (64,277 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.
Quarter path for Whitefish Credit Union Association
Whitefish Credit Union Association: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $2.11B (2025Q4) to $2.06B (2026Q1).
- Net-worth ratio shifted +0.34 pp (12.21% → 12.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.1 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.55% | +1.37 pp |
| Delinquency Rate | 0.16% | -0.72 pp |
| Return on Assets | 0.11% | -0.40 pp |
| Member Growth | 2.30% | - |
| Loan-to-Share Ratio | 73.83% | -10.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Whitefish filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.06B | - |
| 2025Q4 | $2.11B | 64,277 |
| 2024Q4 | $1.95B | 62,831 |
| 2023Q4 | $2.09B | 61,793 |
Credit Union Details
- Charter Number
- 61949
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Montana
- City
- Whitefish
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Whitefish Credit Union Association runs 8 offices in 7 different cities.
| Office | City |
|---|---|
| Whitefish Credit Union - Whitefish Office (Main Office) | Whitefish, MT |
| Whitefish Credit Union - Columbia Falls Office | Columbia Falls, MT |
| Whitefish Credit Union - Eureka Office | Eureka, MT |
| Whitefish Credit Union - Kalispell Office | Kalispell, MT |
| Whitefish Credit Union - South Kalispell | Kalispell, MT |
| Whitefish Credit Union - Missoula Office | Missoula, MT |
| Whitefish Credit Union - Lake County Office | Polson, MT |
| Whitefish Credit Union - Sanders County Office | Thompson Falls, 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.
Whitefish Credit Union Association nationwide neighbourhoods
Whitefish Credit Union Association's nationwide photo peers by assets and by health score, excluding Montana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.11B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Whitefish Credit Union Association ranks #934 of 4,374 nationally on financial health and #13 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CLEARWATER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CLEARWATER
- 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 Whitefish Credit Union Association financially healthy?
A 12.55% net worth ratio and a 0.16% delinquency rate feed into Whitefish Credit Union Association's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #934 of 4,374; by total assets it ranks #250 of 4,374 nationally (same basis as /rankings/largest); and #1 of 41 within Montana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Whitefish Credit Union Association compare to other credit unions?
Five weighted metrics from NCUA filings produce Whitefish Credit Union Association's 91/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Whitefish Credit Union Association?
Membership eligibility for Whitefish Credit Union Association depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Whitefish Credit Union Association directly for current membership requirements and application steps.
Is my money safe at Whitefish Credit Union Association?
Federal credit unions like Whitefish Credit Union Association 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. Whitefish Credit Union Association's net worth ratio of 12.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Whitefish Credit Union Association offer compared to banks?
Credit unions like Whitefish Credit Union Association 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 Whitefish Credit Union Association 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.