# SOUTHWEST MONTANA COMMUNITY
Anaconda, MT · NCUA charter 4401 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southwest-montana-community-4401

Who the members are: federal charter, community charter, organized 1941, low-income designated. 11,541 members of 85,000 potential (13.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $202.6M |
| Members | 11,541 (42.3% YoY) |
| Full-time staff | 42 |
| Net worth | $23.9M |
| Net worth ratio | 11.8% (p58 of band) |
| ROA (annualized) | 0.85% (p62 of band) |
| Total delinquency | 1.37% (p90 of band) |
| Net charge-offs (annualized) | 1.27% (p95 of band) |
| Loans / shares | 63% (p28 of band) |
| Cash / assets | 20.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p78 of band) |
| Operating expense / assets | 3.41% (p38 of band) |
| Vehicles % of loans | 25% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 6% (p25 of band) |
| Vehicle delinquency | 2.30% (p96 of band) |
| Vehicle NCO | 3.17% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 15% |
| Average share balance | $7,927 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $817,031 |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $15,431 |
| Loans granted, annualized | $23.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $817,031 outstanding purchased (3.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 30.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | losing money |  |
| 2021-06 | 4 | delinquency 2x band |  |
| 2021-09 | 3 | delinquency rising | losing money, delinquency 2x band |
| 2021-12 | 0 |  | net worth falling, margin squeeze, delinquency rising |
| 2022-03 | 1 | losing money |  |
| 2022-06 | 0 |  | losing money |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 | assets shrinking | delinquency rising |
| 2023-06 | 0 |  | assets shrinking |
| 2023-09 | 1 | assets shrinking |  |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 3 | net worth falling, losing money, delinquency rising |  |
| 2025-09 | 1 |  | net worth falling, losing money |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | delinquency 2x band, charge-offs p90 |  |

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

- 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
- 2025-03-25 [Butte robbery suspect identified, appears in court - KPAX News](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbEZVLUhVUkU0WmoxNTR3dFNaczdLVk1VVXdwUU56bnhhWVpsYVJUV3p6S0FzMmstSkFaY0g1MmhlOFRad3JIVjVKaWthOGVlb2w2cVVVNnFrYzJUQkNuc1hXRnJ5Y0labjZIWTVMREJ4SE9KT2xqSEZDRG5WUlR6VjhHMUZDSWJwTE10V1RPaGpWYlY1SDhUMw?oc=5) · KPAX News
- 2025-06-04 [Derek Deforest Rhinehart, Age 43, of Anaconda - Axelson](https://news.google.com/rss/articles/CBMijAFBVV95cUxPaUt1TlVGNWEtTXd6Zl9rYTZGd3VYVy1IdkdpOW5oUC03T2ZfbkdOMTZPV1NmczU3VXhIQjBzc21IMXBsYmZfTUhpRGd5QjFMMDR0SUtfTlhfS2JubGhLTFoyYXc1UzhQOER5QUdCVkxMNldPUnVCdktia1pkdXBqRlVqY2tPR1I0VGJTNA?oc=5) · Axelson
- 2025-02-25 [Kathleen "Kathy" Swanson Obituary Feb 25, 2025 - Longfellow Finnegan Riddle Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMid0FVX3lxTE1RbEx1aU1YSTJNelRTWEFGMUo3aG9kZ0JkaFo2aC1waUdzUWNGYjc3NGpBcGdOZEd3QnUtbXJWVHF2REFDZzlQQ0F1UWF4VXZ5amJDWU0wcWRQUTY0aW10VGxwb1ZyN09IRl9rUXhfZHFTNjlqN2JF?oc=5) · Longfellow Finnegan Riddle Funeral Home & Cremation Services
- 2025-05-16 [Suspect in Butte robbery tries to plead guilty - KRTV](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdTh6YXRnT3Z2Z1FwU3RzUDhtYWJldkFNWGJOODNsc3E5bVhYOTM2djVxMjNMa2h3N2dFclhfWDdaN3lKZUoycjg3THR6RkpwaktJNUNROG5xV2Ixd1FDdHF5d2t5Qlh3a0FzdEx6RHFTb3VUZ0NaQzFkZG5BamRWZVhLZ0kya2pjUHdfa2ZLcjEtZjA?oc=5) · KRTV
- 2022-02-14 [Unconditional Offer to Reinstate Employee Prevents Wrongful Discharge Claim - HR Daily Advisor](https://news.google.com/rss/articles/CBMiugFBVV95cUxOX0Y3MWRGZjlXSk90RzVzSFlVdzZBNHo5RzFUSEZ5MzVLMlk5M285aHdueWNwVVF2ajlNdXo3RzY2bmJtVWtoNzNzYk9IcVd4TjlZc2VHMjBGc2gwUkQydU1ndllfUk1TV2M2cF90bTZvNnBLZFEwYmlFV1o1ekdQN3RyVUZsSkVHeE10WU9JZU5LaE5rTjdjR0l1djZ4a1JGQldrWTI4Y0NzcFBGdVE5eG5ZX01YTGU4REE?oc=5) · HR Daily Advisor
- 2021-07-21 [Sandra Radonich Obituary (2021) - Butte, MT - The Montana Standard - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMXZxY1hoQkpvbmk0OWtLTWx1Wk1Eb01nNHc4d3BadkVTSmp6WjIzMHl5TFRSN2JhVm1zZ2VxOTdadmRMWDl5VndIZWlBMHNoMlFCTWFMakRVRHVaUXI0VUNVZks3SWJGWjItbmc3X1RLYmQwVG15M0g0MEVwOVUtTmx5ZGdTYjJJeDkzTGxYbEFRck0?oc=5) · legacy.com
- 2020-03-06 [Mark Edward Durkin Obituary Mar 6, 2020 - Longfellow Finnegan Riddle Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMicEFVX3lxTFB6Ym1Wa2oycFRFSWNWOWN5ZkRLdW51eEN0bEtvX3Jnd0hnZ2dDMVJGa0lEZ3dWVC1rMWRhT3Vqa0lNZHdvT2FUVUtWRVNYRFEtVkZJZFhtbHJDeVFjMDc3NjVOZU1VdHNkNDVkaUN5UG0?oc=5) · Longfellow Finnegan Riddle Funeral Home & Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4401 (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/49.json (key "4401", 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=4401
- 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