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
Call Report peers
Whitefish Credit Union Association in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Whitefish Credit Union Association sits in 90-94 with 747 others.
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 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).
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).
- One place up in Montana, M D U Employees (#12) ties at 91/100; one place down, Wolf Point (#14) scores 90/100, 1 point lower.
Quarter path for Whitefish Credit Union Association
Whitefish Credit Union Association: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $2.11B (2025Q4) to $2.06B (2026Q1).
- Net-worth ratio shifted +0.34 pp (12.21% → 12.55%).
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
Whitefish Credit Union Association gives up 9 points in total. Return on Assets costs the most, 5.9 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Whitefish Credit Union Association financially healthy?
Whitefish Credit Union Association has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #934 of 4,374 nationally on health and #13 of 41 in Montana. Its net worth ratio is 12.55% and its delinquency rate 0.16%.
How does Whitefish Credit Union Association compare to other credit unions?
Whitefish Credit Union Association scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.55% vs 11.18%). Its widest shortfall is loan-to-share ratio (73.83% vs 83.90%).
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?
Whitefish Credit Union Association is a state-chartered 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. Whitefish Credit Union Association's net worth ratio of 12.55% 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.