# BUTTE COMMUNITY
Butte, MT · NCUA charter 19896 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/butte-community-19896

Who the members are: federal charter, community charter, organized 1970, low-income designated. 2,773 members of 86,128 potential (3.2% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $37.4M |
| Members | 2,773 (1.4% YoY) |
| Full-time staff | 8 |
| Net worth | $2.9M |
| Net worth ratio | 7.7% (p4 of band) |
| ROA (annualized) | -0.50% (p15 of band) |
| Total delinquency | 0.02% (p19 of band) |
| Net charge-offs (annualized) | 0.03% (p53 of band) |
| Loans / shares | 68% (p64 of band) |
| Cash / assets | 36.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.10% (p21 of band) |
| Operating expense / assets | 3.77% (p54 of band) |
| Vehicles % of loans | 45% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.05% (p34 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 19% |
| Average share balance | $7,026 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $16,125 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | repo signal |  |
| 2016-09 | 2 | net worth falling | repo signal |
| 2016-12 | 2 | delinquency 2x band | net worth falling |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | losing money, repo signal | delinquency rising |
| 2018-03 | 4 | net worth falling, delinquency rising | losing money, repo signal |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency 2x band |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, repo signal |  |
| 2020-06 | 3 | losing money | repo signal |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | losing money |
| 2021-03 | 6 | capital below 7%, losing money, margin squeeze |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 7 | delinquency rising |  |
| 2022-03 | 6 |  | margin squeeze |
| 2022-06 | 5 |  | net worth falling |
| 2022-09 | 4 |  | delinquency rising |
| 2022-12 | 3 |  | losing money |
| 2023-03 | 4 | assets shrinking |  |
| 2023-06 | 1 |  | capital below 7%, assets shrinking |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | delinquency rising, assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 | net worth falling | delinquency rising |
| 2026-03 | 4 | losing money, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-04 [Frontier Credit Union to acquire Montana bank - East Idaho News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZmNwQkJvVkZQb0FwMVEwZHh3aFZBbjF3MTdkcTdvUkhXd19mdEpiaWJmVktYc2ZjVnVTUmo5b2hIeHhpUUV4RFV5Zzd6eEpLQ3FGZ0U2aW5WaEdPRWF4ek1USjBDZzZjTHRZYmloenJ1UnFxUlZSRzRrMVdYZ2xKWDBOU053VkY3RkJTUQ?oc=5) · East Idaho News
- 2025-11-19 [Edward Allen Baker, 76, of Butte - Axelson](https://news.google.com/rss/articles/CBMie0FVX3lxTE9TRFFfaDB2NnVsLUN6cXRUaVhfQUd4Q1Ewb3FBR2d3R1gzYXd6VTcta3Rkd1VMNTFSZ092WXlHaTc1cmZSRE9jTlZ4UHVVOXlKRkpBNmdnWmJ1eDNCcUxQdklyNThZOEVxdHlTbEJjdEZaeVBDbHB5cmNGdw?oc=5) · Axelson
- 2024-09-26 [Butte seeking bids to upgrade Uptown intersection at Main and Granite - KXLF-TV](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMlZnLUF2d0JtS25DcWxSV1pkZnJvcktPOTItQmxlR3FHLTJ4NGgxbDBHdE1aSlh3RUE4b1VVMmVFaEg5dHZUbWdZMWt1N0NmNmpHRWhiU092SWFqSmtsWUJEMmpTWVR2S0M0a3JnOEVvcUVGcklaeEo3emN2Q0oxcHFXZnV6ZFVnZEQxU2ZHUmsyVjNHdHZOYl9iVXV5UWYxdXNBOGZxNnN6QQ?oc=5) · KXLF-TV
- 2025-11-22 [Edward Malesich Obituary (1940 - 2025) - Butte, MT - The Montana Standard - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOaHJrdWF5UUJSNWhoSGZ6VzhkRDZ6OHZ5LUx6QVUySDl0RUtWTFlwSTFHRnVza3BXNWlTQXNmNHJzeGF1R05SLVVkaldscWdWOTZsXzBZdTNfVGxNaHp6SjdtaGdHMXRxRE5RbnQxdWMta0swY0NmR2pXX0RyaWVXb0M2MFdJeHhGNmdwQ0JfZlg2MGs?oc=5) · legacy.com
- 2022-08-23 [Boy scouts caught in fatal lightning strike 100 years ago honored in the Highland Mountains - KXLF-TV](https://news.google.com/rss/articles/CBMixwFBVV95cUxQRnBmT0M5amtqVThzRFRGcjM3MzB4YUZmamN2T0hZNXV5WHhDRHhDTm82MWlfbEZOdFFfcXk4VkI1aTdjUFZPd1c3M0RJNmd4VFRuWG1Yb2VtUUhueWRVcko1TkV5OUJTaEhUNllKNnFtTldMZXlnYU5YTlFQd2wxVlhvRDJNaGx1YW12TWNuOVBIaDNTenlHTFFiNXJ6NUpxZlJfcnp3Sk9xWXpuN0NmWVRPdVBZOWZtb0ZMRDFPNGU2NHhFanFN?oc=5) · KXLF-TV
- 2022-12-27 [James Janhunen Obituary (1934 - 2022) - Butte, MT - The Montana Standard - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOWtGX2NhZUxHYlpZWXZVTkVtMDlwbDhFWDBfTV9IWTk1WnRCSG1FUFFrMUNxbU5CdTllLTBIMzkxQmFwTTEwX3d5T3hxTk5QUWtENjlMTk9yQ2xHU1VTMEJ0bnEwNmtlcFNnaTRvcVhtWkswV3FKeGZBLWhvWmNacHJHMi1hTzJNaHR2RjBCOF9FZw?oc=5) · legacy.com
- 2007-10-16 [Marjorie German Obituary (2007) - Seattle, MT - The Montana Standard - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUi1YRVFrVjRGZjBRc1RCTjJZRnVuVjhhNHJMOVBNQl9nY19jLWI0ejFJV19vWGtTX1E1b3lmMkZOZHVYMXZqLUNDTjdRYVl1bmkxTjlvM0k3XzY0bjB4TGNkU3N6OGU0UWdLbG1BWW1ZcjE0VnBfbjBvN3N0aGEyTG1MajRuajJvdGJyOUZza3R0eHM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19896 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "19896", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19896
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide