TellerScore

Bitterroot Community Federal Credit Union (NCUA charter #18964) is based in Darby, Montana. Its Q2 2026 call report shows $18.9M in total assets and $17.2M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Bitterroot Community Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 30th. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (35/100; 8.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.53%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity100/100
Loans ÷ shares: 47.2% · 0.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.96%

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 6 points (70 → 64), mostly because the earnings component weakened by 18 points.

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202470
Q1 202570
Q2 202570
Q3 202568
Q4 202567
Q1 202667
Q2 202664
Net worth ratio
7.00%7.79%8.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.18%
Q3 20247.33%
Q4 20247.80%
Q1 20257.81%
Q2 20257.77%
Q3 20258.18%
Q4 20258.29%
Q1 20268.58%
Q2 20268.53%
Delinquent loans (60+ days)
0.03%0.31%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.17%
Q4 20240.03%
Q1 20250.07%
Q2 20250.10%
Q3 20250.54%
Q4 20250.58%
Q1 20260.49%
Q2 20260.59%
Return on assets
0.60%0.90%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.87%
Q4 20240.91%
Q1 20250.98%
Q2 20251.05%
Q3 20251.20%
Q4 20251.07%
Q1 20260.85%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$18.9M8.53%0.59%0.60%47.2%
Q1 202667$18.6M8.58%0.49%0.85%46.7%
Q4 202567$18.8M8.29%0.58%1.07%47.6%
Q3 202568$18.6M8.18%0.54%1.20%48.1%
Q2 202570$18.7M7.77%0.10%1.05%48.5%
Q1 202570$17.9M7.81%0.07%0.98%49.3%
Q4 202470$17.3M7.80%0.03%0.91%52.6%
Q3 202466$17.9M7.33%0.17%0.87%52.2%
Q2 202466$17.7M7.18%0.11%0.86%53.3%

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 ratio8.53%
6th
Problem loans0.59%
55th
Net charge-offs0.11%
56th
Return on assets0.60%
47th
Loans to deposits47.2%
68th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio3.0%
43rd

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
The Family First Federal Credit UnionCredit union Great Falls, MT63 out of 100, Moderate$18.8M11.0%2.44%vs
Wolf Point Federal Credit UnionCredit union Wolf Point, MT68 out of 100, Moderate$23.3M17.2%1.54%vs
Fort Peck Community Federal Credit UnionCredit union Fort Peck, MT49 out of 100, Below average$14.3M12.4%3.93%vs
Mountain West Federal Credit UnionCredit union Butte, MT73 out of 100, Strong$24.2M15.5%2.27%vs
Seg Federal Credit UnionCredit union Laurel, MT74 out of 100, Strong$25.6M12.6%0.75%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 Bitterroot Community Federal Credit Union?

Yes. Bitterroot Community Federal Credit Union is a federally insured credit union (NCUA charter #18964). 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 0.1% of shares and deposits ($22K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.53%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bitterroot Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bitterroot Community Federal Credit Union
Type
Federal credit union
NCUA charter #
18964
RSSD ID
43481
Primary regulator
NCUA
Established
1968
Headquarters
Po Box 467, Darby, MT 59829
Employees
7

Quick answers

Bitterroot Community Federal Credit Union: common questions

Is Bitterroot Community Federal Credit Union NCUA insured?

Yes. Bitterroot Community Federal Credit Union is a federally insured credit union (NCUA charter #18964). 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 Bitterroot Community 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 Bitterroot Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Darby

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State BankBank Victor, MT64 out of 100, Moderate$790.3M8.8%0.68%vs