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Montana Credit Union Performance
How the 41 credit unions based in Montana are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Montana's 41 credit unions serve 446,410 members and hold $8.17B in combined assets. The median Montana credit union earned a 0.81% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Montana credit unions was 0.65%, compared with -0.55% nationally. Median one-year asset growth was 3.97%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Montana at a glance
Montana vs. the United States
System totals are the sum of every credit union in Montana. The share column is Montana's portion of the national figure.
| Measure | Montana | United States | Montana share |
|---|---|---|---|
| Credit unions | 41 | 4,335 | 0.9% |
| Members | 446,410 | 147,031,529 | 0.3% |
| Residents (population) | 1,137,233 | 340,110,988 | 0.3% |
| Total assets | $8.17B | $2,507.50B | 0.3% |
| Total loans | $5.35B | $1,744.86B | 0.3% |
| Total shares & deposits | $7.04B | $2,143.21B | 0.3% |
| Total net worth | $974.9M | $282.23B | 0.3% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Montana credit unions report about 39 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Montana credit unions serve members in other states, so it overstates true in-state penetration.)
The median Montana credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Montana CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.81% | 0.66% |
| Net worth ratio | 11.87% | 12.44% |
| Loan-to-share ratio | 70.11% | 67.86% |
| Delinquency ratio | 0.46% | 0.63% |
| Net charge-off ratio | 0.21% | 0.33% |
| Cost of funds | 0.89% | 1.05% |
| Member growth (1 yr) | 0.65% | -0.55% |
| Asset growth (1 yr) | 3.97% | 2.78% |
| Loan growth (1 yr) | 1.77% | 0.63% |
| Share growth (1 yr) | 3.59% | 2.36% |
| Net worth growth (1 yr) | 6.05% | 5.57% |
Trends over time
The median Montana credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.75% · 0.72%
— Montana ‑‑ U.S. (1 year not shown)
Net worth ratio 12.06% · 12.46%
— Montana ‑‑ U.S.
Loan-to-share ratio 72.78% · 69.70%
— Montana ‑‑ U.S.
Delinquency ratio 0.57% · 0.72%
— Montana ‑‑ U.S.
Asset growth (1 yr) 3.78% · 3.26%
— Montana ‑‑ U.S. (1 year not shown)
Member growth (1 yr) 0.33% · -0.52%
— Montana ‑‑ U.S. (1 year not shown)
Montana leaderboards
Largest by assets
- 1 Whitefish Credit Union Association $2.06B
- 2 Missoula Credit Union $1.15B
- 3 Altana Credit Union $660.2M
- 4 Valley Financial Credit Union $593.7M
- 5 Rocky Mountain Credit Union $424.3M
- 6 Park Side Financial Credit Union $389.1M
- 7 Montana Credit Union $358.9M
- 8 Helena Community Credit Union $310.5M
- 9 Billings Credit Union $218.0M
- 10 1st Liberty Credit Union $217.5M
Highest return on assets
- 1 Lincoln County Credit Union 2.15%
- 2 Fergus County Credit Union 2.04%
- 3 Ravalli County Credit Union 1.92%
- 4 Rimrock Credit Union 1.44%
- 5 Trico Educational Credit Union 1.39%
- 6 Richland Credit Union 1.26%
- 7 Park Side Financial Credit Union 1.04%
- 8 Southwest Montana Community Credit Union 0.97%
- 9 Missoula Credit Union 0.94%
- 10 Valley Financial Credit Union 0.92%
Fastest-growing (organic)
- 1 Daniels-Sheridan Credit Union 25.60%
- 2 Russell Country Credit Union 13.95%
- 3 Mccone County Credit Union 13.94%
- 4 Valley Financial Credit Union 12.85%
- 5 Ravalli County Credit Union 11.97%
- 6 Lincoln County Credit Union 8.59%
- 7 Altana Credit Union 8.39%
- 8 Rimrock Credit Union 5.50%
- 9 Fergus County Credit Union 5.18%
- 10 Trico Educational Credit Union 4.03%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in Montana
31 at the end of 2016, 20 at the end of 2025.
Median net worth ratio 11.48% against 12.35% for credit unions at or above the line. Median one-year member growth -0.51% against 1.63%.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Montana that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.