# ROCKY MOUNTAIN
Helena, MT · NCUA charter 97110 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rocky-mountain-97110

Who the members are: state charter, organized 1940. 25,993 members of 358,435 potential (7.3% of the field); checking penetration 61% (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 | $424.3M |
| Members | 25,993 (6.8% YoY) |
| Full-time staff | 87 |
| Net worth | $37.0M |
| Net worth ratio | 8.7% (p11 of band) |
| ROA (annualized) | 0.10% (p10 of band) |
| Total delinquency | 1.09% (p83 of band) |
| Net charge-offs (annualized) | 0.52% (p64 of band) |
| Loans / shares | 73% (p46 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 4.71% |
| Net interest margin | 3.53% (p49 of band) |
| Operating expense / assets | 4.02% (p64 of band) |
| Vehicles % of loans | 33% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 123% (p64 of band) |
| Vehicle delinquency | 1.83% (p92 of band) |
| Vehicle NCO | 0.76% (p57 of band) |
| Repossessed % of vehicle book | 0.11% (p74 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 28% |
| Average share balance | $7,105 |
| Participations bought / yr | $12.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 52% |
| Average loan balance | $15,642 |
| Loans granted, annualized | $97.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-12 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 1 |  | loans>95% of shares |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | margin squeeze |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | net worth falling, delinquency rising |  |
| 2023-09 | 2 |  | net worth falling, delinquency rising |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | assets shrinking | delinquency rising |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 | leaning on borrowings | net worth falling |
| 2025-09 | 2 |  | leaning on borrowings |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2025-02-03 [Rocky Mountain Credit Union promotes Cyrus Malkin to President & CEO - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQW5TV3BLSWZPNF9CQ0trdzFnOEh3dW9WeXpCMzJ3U1ZRQ0luVTNpOW5fU2kwY2ZYYkRfd1Vld21iQks0VjhGSElmcWRqcGU3ejJoUGN6bEc5VUNrcHZvRUI1WTZucVBEOEI5ZzBnSVZHU0dqdHR0VmFEXzZFc3pLajhyN1RDaG5CZFVtNkpUQTRSREhIc25Rek1MTkU2SF9VTWV2RWp0Y1I5UTA?oc=5) · CUInsight
- 2026-05-07 [Rocky Mountain tennis' Emma Praver is Blue FCU's Girls Athlete of Week - The Coloradoan](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOT3pBRUxjVlItWDg4cC13OWRBV0U5Uk8tdF9kZTlsSzI3RG9DYlJWVmVKTTFRNkJabDFERUJ6a1pRbHJvMTlrLWl2aFJieGtvUHM1cUtpcUhRcll3MlZKdXp6R0VfcUl4V21TZWV0SEVnLVY1SlZSdFU4bmo4SzBoYmo0YWdyajRvc1FWaDk4Y3htQUpYaXNCbzRja3BWRWxSUjMzVkhDRkl4aEgxdVZKMlItc2dUVHZ1NDVycVV3Z2tuQ2VDZTlnelpBSFE4VjVQVlU1dmxvZ2Fha00xazJuSWpla1RmRFFSdG1xV0pIRGJaM0xoc3c?oc=5) · The Coloradoan
- 2026-03-19 [Rocky Mountain's Gwen Grumbles named Blue FCU's Girls Athlete of Week - The Coloradoan](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNaEpEV2xpVDJlbS15Qm1tQ3ZFTGRtRlZiM1lZUmg2bHkwNmdGcFZwSi1Kb2d2dGtRWG1GdjM0Yl9MNm9aRjI5RGNQVXc4amY0SGhJZkF5ZDJ6bW1mOTNEc1VJQU1ETjdlYTBMb1ZKQjc4a2lEVy1CNlh2SDdTa1Y1SGhLNFBIT3VzUDREVk1JcWM4bnJvdWhvNVQtUnFJbnc4SlBwRjQzblRpbXJkYkRMdEJ1SVpBQXFJV0N0SGFlRkpRYS1SVzNMQmtmbTA2Q2N1YWpiWmhmcDRjOW9VWEpLUmdqM3BfOWNJUVlsd3Z3YlExaWpaSkp5SERBTzBOQQ?oc=5) · The Coloradoan
- 2026-03-05 [Rocky Mountain's Addilyn Bailey named Blue FCU Girls Athlete of Week - The Coloradoan](https://news.google.com/rss/articles/CBMilAJBVV95cUxQWVhFa0dVeTBxaU41MEhicF9fWFVOWFc1VUMwSGdwMjZSRDc1eEVHSTVyLU5QX2ZkYlpQRk1VNERYQnRqSnBEMlJjYWcxYlE3T0ZDN0t3Vm5fUGpVX3BvQTlrRGRhSDNDQnFRcmQ0QmtMbi1tUFdUY1p3T3JmY3FyNktwTjlNVUhqRTZvM1EyNmZuSUEtYVk3Yk9RczRKb1ZKeG9aRm5ZaXlodDhVUHFhT2g0Qi1TNmJ0anVRRU9hQXlCMXYycVNSRk1VclZTc0tic3RiVzdEbzR4aWxiSmJUTm9SVF91X3hQMDBZQ2o4U3FIYm1ZTXZ5eHNHSmxRVC16VzVUb3FEZVZVclNXNVBUbzBaSmc?oc=5) · The Coloradoan
- 2020-06-06 [People in Business for June 7, 2020 - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPcmd5YURSTUJfREJVVVhsbng2dDBFbzBKTmtER09fTFRLOVd3T2EzdGFTTkFhVHhGX1I5aGUzR3pSNUttclRzbVQ1VEQ0dGhZU1lTcnhLWWdFckNuTHh1YWNPbEtVdTVyMlhEcFFoNklpczNPSVh0TEJsMEFfN2l4VWxuMjlfMTEtbXZjOUdxcG90a2ZLNVBNMUZjLXlQTTlzcWVzdEd5STNWZFV2S3V5bFZIb3NUbG5vUHd3OF9sV2JPS0k4TWJlZ0QxWXQ5V3FIRUE?oc=5) · Bozeman Daily Chronicle
- 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
- 2024-05-16 [Helena's Alive @ 5 will return this year - KTVH](https://news.google.com/rss/articles/CBMicEFVX3lxTFBsdy1SZnU4V2I2VWNMamR6MTN4QWs1RVNoWVZKSjJ4dFVwRm9icWpaZHBnQi05d3Byb1dSUTVDOG5lZEN3dlZVeUMwZXhlVDJFV3hIYl9EZXpWdl82NFVqQTBjVGNsWng4Z0U5NFpfOUs?oc=5) · KTVH
- 2026-04-10 [Rocky Mountain's Edison Doebbeling named Blue FCU Boys Athlete of Week - The Coloradoan](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOSXZ6Y2xObXFYTk94WGhMVllPODRJc0lERDh2UTQtdktCZkI1elV3ajRla3ZNQ3RLRll4TFpRZkdJQkJBRlZDbm5QTjBjbnZHYzJpb3NGRXRzZl9TNWRUMGVpNlJXR3JiUVhsNEg1Z0Frb0V0X2pwRlo4aUpaeHV3NFlIUEp1Q1ZrbnYxQkd1TXozeENXdTBWd3dwbXFGbUlQWmdWOVRXcTRycVQyZlNiY3ZnQmtXYmtJay1Eck5DZ3FIeHBwNW5kR2hobmVHcnVxT3MwLWh5NDJEektmd1Y4ZXNJTEJwNVBhY0w4bEt2SW1JMVc4U29kRzRB?oc=5) · The Coloradoan

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97110 (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/22.json (key "97110", 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=97110
- 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