TellerScore

Badlands Federal Credit Union (NCUA charter #4227) is based in Glendive, Montana. Its Q2 2026 call report shows $37.6M in total assets and $34.6M in member shares and deposits and 1 office.

Badlands Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 36th. Funding & liquidity contributes the most (100/100, 32% loans-to-deposits, 8% uninsured); capital cushion contributes the least (31/100, 8.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.06%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.45%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity100/100
Loans ÷ shares: 32.4% · 8.3% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (57 → 54), mostly because the loan quality component weakened by 26 points.

TellerScore
394857Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202439
Q4 202453
Q1 202556
Q2 202557
Q3 202557
Q4 202550
Q1 202656
Q2 202654
Net worth ratio
7.00%7.53%8.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.93%
Q3 20247.55%
Q4 20247.70%
Q1 20257.56%
Q2 20257.62%
Q3 20257.60%
Q4 20257.43%
Q1 20267.65%
Q2 20268.06%
Delinquent loans (60+ days)
0.66%1.63%2.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.99%
Q3 20242.60%
Q4 20241.16%
Q1 20250.81%
Q2 20250.66%
Q3 20250.72%
Q4 20251.34%
Q1 20261.04%
Q2 20261.45%
Return on assets
0.12%0.31%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.18%
Q4 20240.15%
Q1 20250.25%
Q2 20250.12%
Q3 20250.19%
Q4 20250.16%
Q1 20260.43%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$37.6M8.06%1.45%0.49%32.4%
Q1 202656$38.9M7.65%1.04%0.43%30.6%
Q4 202550$39.4M7.43%1.34%0.16%29.4%
Q3 202557$38.6M7.60%0.72%0.19%31.0%
Q2 202557$38.1M7.62%0.66%0.12%31.2%
Q1 202556$38.4M7.56%0.81%0.25%30.3%
Q4 202453$37.4M7.70%1.16%0.15%31.3%
Q3 202439$38.2M7.55%2.60%0.18%33.0%
Q2 202455$36.1M7.93%0.99%0.16%34.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.06%
4th
Problem loans1.45%
29th
Net charge-offs0.21%
46th
Return on assets0.49%
41st
Loans to deposits32.4%
86th
Uninsured deposits8.3%
10th
Loan-loss reserves0.00%
37th
Texas ratio5.3%
28th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Butte Community Federal Credit UnionCredit union Butte, MT57 out of 100, Moderate$37.7M7.8%0.41%vs
Montana Educators' Credit UnionCredit union Missoula, MT76 out of 100, Strong$35.3M10.0%0.38%vs
Northwestern Energy Employees Federal Credit UnionCredit union Butte, MT72 out of 100, Strong$35.3M10.9%0.12%vs
Community 1st Federal Credit UnionCredit union Miles City, MT58 out of 100, Moderate$43.2M11.1%1.60%vs
Mile High Federal Credit UnionCredit union Butte, MT87 out of 100, Very strong$30.2M14.3%0.00%vs
Glendive Bn Federal Credit UnionCredit union Glendive, MT93 out of 100, Very strong$28.0M21.5%0.00%vs

Deposit insurance

Is my money safe at Badlands Federal Credit Union?

Yes. Badlands Federal Credit Union is a federally insured credit union (NCUA charter #4227). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.3% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.06%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Badlands Federal Credit Union lists 1 office in 1 city. Most locations:

  • Glendive, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Badlands Federal Credit Union
Type
Federal credit union
NCUA charter #
4227
RSSD ID
411772
Primary regulator
NCUA
Established
1941
Headquarters
PO Box 1382, Glendive, MT 59330
Employees
6

Quick answers

Badlands Federal Credit Union: common questions

Is Badlands Federal Credit Union NCUA insured?

Yes. Badlands Federal Credit Union is a federally insured credit union (NCUA charter #4227). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Badlands Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Badlands Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Glendive

InstitutionScoreAssetsCapitalProblem loansCompare
Glendive Bn Federal Credit UnionCredit union Glendive, MT93 out of 100, Very strong$28.0M21.5%0.00%vs
M D U Employees Federal Credit UnionCredit union Glendive, MT84 out of 100, Strong$4.0M17.2%0.00%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs