# MONTANA
Great Falls, MT · NCUA charter 4164 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/montana-4164

Who the members are: federal charter, community charter, organized 1940, low-income designated. 26,193 members of 1,000,000 potential (2.6% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $358.9M |
| Members | 26,193 (3.4% YoY) |
| Full-time staff | 76 |
| Net worth | $44.3M |
| Net worth ratio | 12.3% (p66 of band) |
| ROA (annualized) | 0.91% (p65 of band) |
| Total delinquency | 0.28% (p19 of band) |
| Net charge-offs (annualized) | 0.12% (p16 of band) |
| Loans / shares | 78% (p58 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p72 of band) |
| Operating expense / assets | 3.96% (p62 of band) |
| Vehicles % of loans | 60% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 233% (p85 of band) |
| Vehicle delinquency | 0.32% (p28 of band) |
| Vehicle NCO | 0.19% (p20 of band) |
| Repossessed % of vehicle book | 0.01% (p54 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 12% |
| Average share balance | $5,952 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 58% |
| Average loan balance | $19,347 |
| Loans granted, annualized | $103.8M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, auto monoline |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, delinquency rising |  |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 2 |  | auto monoline |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | auto monoline | delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 2 |  | delinquency rising |

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

- 2026-02-02 [Butte bank officially acquired by Idaho-based credit union - NBC Montana](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN19aN1hQTE1uWnBRcXJiN3gtLU96OFhjcWU0cE1UbGc0cHhtN0FXVzNjanFrUmUxWHNySUtpb0ZHRlJJdUhjcGc2UEJMYjRRLVBsTklLd0JtVFhHTjJqd1RVMkpWYWdVYXZvbzlENE5kOGRRSjY4S0JGTVIyR3BTUjlsNFNZZHdsSUE4clQwcnFoV3QyMGg0?oc=5) · NBC Montana
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Montana - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ2J0bjZCNmZSb1haRXJuaHlrUC02RzNhNF9ZVTZrVTcyTGVMcWRxOHJxdXdNN1VtUG5yYW9sV3dRVEY5VXo5eWxXLW16VnNrcnljZ1VIRG8tblgxSTRvQTh2V2FUN1ZyRWpUZkdKdnR1LVRTUmp6OUE4VFhrbVZpeW5lclZIYWRvR0lBakR3?oc=5) · Newsweek Rankings
- 2023-11-08 [Southwest Montana Community Federal Credit Union appoints Teri Krakowka as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPNjVXVXUtdGwySFpBSjJERlNGc3U3d0Y2RVJrZWhFZy1PSlAwZWRNeWxfLW9aUkdnaXRHaVhnNHdZMjZEOWdiTEdQenJJalBSVmdnazZwNzRrZHQ0YTlFN1V0TFA3QUNnWVhQWDlpdDRobkdudFk5V3c2b1MxbUdxSWNtQW00YW14ZzgtQjRLOEZXOUJpd25oWk9GVG5oSUw2R2lqWWtUTWxTTDZMNHBPUkRGQVBQZEt4NFYyeUo2Wk1LU2NpdWtmTA?oc=5) · CUInsight
- 2025-05-02 [Idaho credit union to expand into Montana with bank buy - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMEZiR2lmS09MU1pIUDBHTWg0UW5wWWxrQk45OEtIT3llR1Y2VkdkcVRocnNmM0p3Z1EwZlh2blRsdjhxMEdCTDhsMlJtY3doRFRtc0xSeTRHcExtYmh2MDBQb2hIWllManlsQkFzVHQ3MlNobklXZ2FEcldIeDhSa0VoTVREWEVFT1REYkRXYTBUVE1vbFB5cEJqVko1Wm5xeUNJblBXckJ0WHIxMTlMSA?oc=5) · Banking Dive
- 2018-05-25 [Downtown Great Falls' Montana Federal Credit Union announces expansion, remodel - Great Falls Tribune](https://news.google.com/rss/articles/CBMizwFBVV95cUxOWDBBQVBJUElQNFRqdVcyRjl1N0FDYWZrT1JxWTgyUjJSam1PcW9TbWRkNDc4UlZYNmVUVlIwbE0zZjhDazRHTzh0QjlHN0FMZnRxWFo1RmJaZTBvbERGbmEwa210WGRueGNkN2xpR1o3cGExd3Y5LWdrOFNmR3Z0ZEhmVWZJVGFlc01LLS1tZ1l3RzRvUFpBdFFxYjVsaEZNSUpubDBRMzhKYy1YNmVfRDQ3d3B2SzgtakhMMXI5SDFDUTNud2RRYUt0eTlNMWs?oc=5) · Great Falls Tribune
- 2022-11-23 [Business Bites: Belles and Lace, Bed Bath and Beyond closing; first Arc Apartments getting ready to open; Phoenix Tea open; second Al Banco spot open; permits for new restaurants including Highway 55; Montana Credit Union expanding; Wendy’s still looki - theelectricgf.com](https://news.google.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?oc=5) · theelectricgf.com
- 2022-07-14 [Fraud scams targeting Montana Credit Union members - montanarightnow.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQUlQwNEJGajFSS0xlSGEwRk94RUZ2a3ZZMDVtRUVyYjlsSEctWXdxeVI1NExYU0tYSkxXY1lONkF3Q2hLLUlCZDdBcllQOGIyc1pFdEdlbHY5dFNzdFpuQWJxLTF5Um5EQUZVRFZkTk5mNkNWVDFzSG1Jc3kwRzFaVU5rSEVCVVBVT0E5MTJGOHFjQTd1bjdseDVFRkkydnJzd2NKMXFKbW1kWGJIUS00d3RTbXpsOUZpTGs3UWNuWG03TTVuS2NjaXNBcTJrWWJSSm82bmFqejlBMG1Z?oc=5) · montanarightnow.com
- 2024-01-30 [Montana State to host robotics competitions Feb. 2-3 - Montana State University](https://news.google.com/rss/articles/CBMijwFBVV95cUxPeTc0Wnlwc0lqTWlnOFlQcjRlNDZvVUtPQUJhUHV4ajhOajdmaEZScDljNEJwdmE0LS1EaGhHM1BTckN6d2R6SDhnQkZXSnItZU9iN0plTGREczJCOGN3cDc2dGN0a3pMTHNzUDM4eEJrQ2R5eW4xUGROX0lLLUo5TG1PUVZnRzNTTjEyUVJNdw?oc=5) · Montana State University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4164 (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/4.json (key "4164", 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=4164
- 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