State overview · Q4 2025

Montana Credit Unions

All 41 federally-insured credit unions in Montana, ranked by financial health, from NCUA 5300 Call Reports.

41
Credit unions
443K
Members
$8.1B
Combined assets
86/100
Avg health
41 CUs · avg health 86/100

Montana has 41 federally insured credit unions averaging 86/100 health on NCUA 5300 Call Report aggregates. Combined assets $8.1B; 35 score Excellent (80+). State leader: MONTANA at 99/100.

  • Mean delinquency rank #12 of 52 (lower DQ better)
  • Mean ROA rank #3 of 52
  • Data vintage 2026-09-06

Montana vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

41 38th of 54 higher than 16 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Montana's 41 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)35 CUsGood (60–79)5 CUsFair (40–59)1 CUsWeak (<40)0 CUs

Montana Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 41 federally insured credit unions in Montana, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.90%
National rank #12 of 52 · lower DQ better
Mean ROA
0.93%
National rank #3 of 52
Mean loan-to-share
67.3%
Mean net worth 12.2% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
26.0%
Tilted book, largest charter holds 25–50% of combined Montana CU assets · concentration rank #31 of 52 (lower share = more dispersed) · largest by assets on this board: Whitefish Credit Union Association

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Montana is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Montana vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Montana highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Montana vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%MT - 12.19%, 0.9%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Montana highlighted.

All Credit Unions in Montana

Credit Union Health
MONTANA Great Falls 99
Ravalli County Hamilton 98
SEG LAUREL 97
Valley Financial Billings 97
CLEARWATER Missoula 96
FERGUS Lewistown 95
GRASSLANDS CIRCLE 95
ALTANA Billings 94
DANIELS-SHERIDAN SCOBEY 94
Northwestern Energy Employees BUTTE 93
Glendive Bn GLENDIVE 91
M D U Employees Glendive 91
Whitefish Credit Union Association Whitefish 91
Southwest Montana Community Anaconda 90
Wolf Point Wolf Point 90
Butte Community Butte 89
Deer Lodge County School Emp Anaconda 89
Community 1st Miles City 88
Lincoln County Libby 88
VOCAL HELENA 87
Bitterroot Community DARBY 86
RICHLAND Sidney 86
RIMROCK BILLINGS 86
FROID FROID 85
Rocky Mountain Helena 85
1st Liberty Great Falls 84
Montana Educators' Missoula 84
Mile High BUTTE 83
Russell Country Great Falls 83
SKY Livingston 83
The Family First Great Falls 83
Northern Montana Hospital Havre 82
Park Side Financial Whitefish 82
TRICOUNTY Harlowton 82
BILLINGS Billings 81
INTREPID Helena 79
St. Pats Employees Missoula 75
BADLANDS Glendive 69
The Morning Star Lame Deer 63
Fort Peck Community Fort Peck 62
Mountain West Butte 55

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.

What This Data Says About Credit Unions in Montana

Montana is home to 41 federally-insured credit unions collectively serving 443K members with $8.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 86/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. MONTANA of Great Falls currently leads the cohort with a health score of 99/100, while the full distribution spans 41 institutions ranked below.

The health distribution breaks into four bands: 35 credit unions score 80–100 (Excellent), 5 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Montana's 41 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Montana: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($8.1B here).

Nebraska $6.9B Mississippi $9.7B Kansas $10.0B South Dakota $6.0B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (41 here).

Hawaii 45 CUs New Mexico 37 CUs South Carolina 46 CUs Arkansas 48 CUs

Frequently Asked Questions

How many credit unions are in Montana?

There are 41 federally-insured credit unions in Montana as of Q4 2025, with a combined 443K members and $8.1B in total assets. That places Montana at #43 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Montana ranks #7 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Montana?

Based on NCUA Q4 2025 data, MONTANA in Great Falls ranks highest in Montana with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Montana's data

  • MONTANA in Great Falls is the healthiest scored credit union in Montana at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Montana's credit unions rank #12 of 52 nationally on delinquency rate (among the lowest) and #3 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Montana ranks #7 of 54 by average health score and #43 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.