Federal credit union · Wolf Point, Montana · NCUA charter #15375
Wolf Point
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $21.2M
- Total assets
- 3,235
- Members
- 17.6%
- Net-worth ratio
Wolf Point scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.2M; members 3,235; net-worth ratio 17.64%; health rank #1,046 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,046 of 4,374 health · 2025Q4Wolf Point · health 90/100 · $21.2M · 2025Q4
Call Report peers
Wolf Point in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wolf Point vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wolf Point sits in 90-94 with 747 others.
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
Where Wolf Point diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 64.85% here, 59.80% peer average (+5.05 pp).
Wolf Point: in-state Call Report ranks
- In Montana, health place is #14 of 41 on the same NCUA-ratio sort used nationally.
- Montana assets place: #31 of 41.
- Membership ranks #22 of 41 among Montana CUs with a reported count (3,235 members).
- One place up in Montana, Whitefish Credit Union Association (#13) scores 91/100, 1 point higher; one place down, Southwest Montana Community (#15) ties at 90/100.
How Wolf Point's 5300 filing moved
Wolf Point: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.3% from $21.2M (2025Q4) to $23.0M (2026Q1).
- Net-worth ratio shifted -1.28 pp (18.92% → 17.64%).
17.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Wolf Point gives up 10 points in total. Delinquency Rate costs the most, 5.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.3 pts
Wolf Point vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.64% | +2.78 pp |
| Delinquency Rate | 1.12% | -0.03 pp |
| Return on Assets | 1.64% | +0.94 pp |
| Member Growth | 2.15% | - |
| Loan-to-Share Ratio | 64.85% | +5.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Wolf Point quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.0M | - |
| 2025Q4 | $21.2M | 3,235 |
| 2024Q4 | $20.9M | 3,167 |
| 2023Q4 | $20.8M | 3,110 |
Credit Union Details
- Charter Number
- 15375
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Montana
- City
- Wolf Point
- Data Quarter
- 2025Q4
Branch Locations (3)
Wolf Point operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wolf Point Federal Credit Union (Main Office) | Wolf Point, MT |
| D & H now FINASTRA | Clive, IA |
| Fort Peck Community FCU | Glasgow, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Wolf Point ranks #1,046 of 4,374 nationally on financial health and #14 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mountain West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mountain West
Frequently Asked Questions
Is Wolf Point financially healthy?
Wolf Point has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,046 of 4,374 nationally on health and #14 of 41 in Montana. Its net worth ratio is 17.64% and its delinquency rate 1.12%.
How does Wolf Point compare to other credit unions?
Wolf Point scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.85% vs 59.80%).
How can I join Wolf Point?
Wolf Point serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Wolf Point directly for the current list of qualifying groups.
Is my money safe at Wolf Point?
Wolf Point is a federal 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. Wolf Point's net worth ratio of 17.64% 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.