Headquartered in Billings, Montana, Billings Federal Credit Union is a federal credit union with $216.1M in total assets and $185.6M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1935.
Billings Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 29th. Problem-loan coverage contributes the most (88/100, 5.8%); earnings contributes the least (38/100, 0.46%).
TellerScore · Q2 2026
Scorecard
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 rose 7 points (57 → 64), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 61 |
| Q1 2025 | 64 |
| Q2 2025 | 57 |
| Q3 2025 | 59 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.80% |
| Q3 2024 | 11.69% |
| Q4 2024 | 11.43% |
| Q1 2025 | 11.03% |
| Q2 2025 | 11.45% |
| Q3 2025 | 11.59% |
| Q4 2025 | 11.42% |
| Q1 2026 | 11.47% |
| Q2 2026 | 11.73% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.01% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.55% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.12% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.01% |
| Q3 2024 | 0.05% |
| Q4 2024 | -0.02% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $216.1M | 11.73% | 0.77% | 0.46% | 97.7% |
| Q1 2026 | 64 | $218.0M | 11.47% | 0.72% | 0.31% | 95.5% |
| Q4 2025 | 63 | $217.5M | 11.42% | 0.69% | 0.28% | 96.0% |
| Q3 2025 | 59 | $213.9M | 11.59% | 1.12% | 0.27% | 98.2% |
| Q2 2025 | 57 | $215.1M | 11.45% | 1.28% | 0.26% | 97.4% |
| Q1 2025 | 64 | $222.2M | 11.03% | 0.55% | 0.27% | 92.6% |
| Q4 2024 | 61 | $213.0M | 11.43% | 0.69% | -0.02% | 98.2% |
| Q3 2024 | 59 | $210.3M | 11.69% | 1.01% | 0.05% | 100.2% |
| Q2 2024 | 57 | $207.5M | 11.80% | 1.07% | -0.01% | 100.9% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Liberty Federal Credit UnionCredit union Great Falls, MT | 84 out of 100, Strong | $214.2M | 14.4% | 0.28% | vs |
| Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT | 55 out of 100, Moderate | $203.3M | 11.6% | 1.85% | vs |
| Sky Federal Credit UnionCredit union Livingston, MT | 53 out of 100, Below average | $197.3M | 7.7% | 1.02% | vs |
| Lincoln County Credit UnionCredit union Libby, MT | 98 out of 100, Very strong | $186.6M | 21.6% | 0.22% | vs |
| Grasslands Federal Credit UnionCredit union Circle, MT | 88 out of 100, Very strong | $141.5M | 13.5% | 0.05% | vs |
| Russell Country Federal Credit UnionCredit union Great Falls, MT | 48 out of 100, Below average | $131.1M | 7.6% | 1.12% | vs |
Deposit insurance
Is my money safe at Billings Federal Credit Union?
Yes. Billings Federal Credit Union is a federally insured credit union (NCUA charter #887). 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 8.7% of shares and deposits ($16.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Billings Federal Credit Union lists 5 offices in 2 cities. Most locations:
- Billings, MT (4)
- Great Falls, MT (1)
Identity & history
Profile
- Legal name
- Billings Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 887
- RSSD ID
- 205878
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- PO Box 1779, Billings, MT 59103
- Employees
- 46
Quick answers
Billings Federal Credit Union: common questions
Is Billings Federal Credit Union NCUA insured?
Yes. Billings Federal Credit Union is a federally insured credit union (NCUA charter #887). 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 Billings Federal Credit Union's TellerScore?
64 out of 100 (Moderate), 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 Billings Federal Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Billings
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rimrock Credit UnionCredit union Billings, MT | 93 out of 100, Very strong | $64.0M | 15.0% | 0.15% | vs |
| The Yellowstone BankBank Laurel, MT | 88 out of 100, Very strong | $1.3B | 12.3% | 0.01% | vs |
| Seg Federal Credit UnionCredit union Laurel, MT | 74 out of 100, Strong | $25.6M | 12.6% | 0.75% | vs |
| Intrepid Credit UnionCredit union Helena, MT | 71 out of 100, Strong | $310.8M | 11.1% | 0.44% | vs |
| Valley Financial Credit UnionCredit union Billings, MT | 71 out of 100, Strong | $600.9M | 10.7% | 0.25% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |