State credit union · Whitefish, Montana · NCUA charter #61949
Whitefish Credit Union Association
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.11B
- Total assets
- 64,277
- Members
- 12.2%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)61
- Member growth78
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.21% | 30% |
| Delinquency Rate | 0.16% | 25% |
| Return on Assets | 0.11% | 15% |
| Member Growth | 2.30% | 15% |
| Loan-to-Share Ratio | 73.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Whitefish Credit Union Association
Headquartered in Whitefish, Montana, Whitefish Credit Union Association is a state credit union with 64,277 members, $2.11B in total assets, and $1.31B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 91/100 (Excellent), driven in part by a net worth ratio of 12.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #61949 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.16% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 73.83% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.11% on net income of $2.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.30%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Whitefish Credit Union Association financially healthy?
A 12.21% 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. 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 12.21% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.