TellerScore

Headquartered in Butte, Montana, Butte Community Federal Credit Union is a federal credit union with $37.7M in total assets and $34.2M in member shares and deposits as of Q2 2026. It operates 3 offices across 3 states. Its charter dates back to 1970.

Butte Community Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 34th. Problem-loan coverage contributes the most (93/100, 3.7%); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Net worth ratio: 7.85%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity84/100
Loans ÷ shares: 76.7% · 3.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.66%

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 12 points (69 → 57), mostly because the earnings component weakened by 29 points.

TellerScore
576470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202469
Q1 202568
Q2 202569
Q3 202567
Q4 202566
Q1 202657
Q2 202657
Net worth ratio
7.00%7.92%8.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.66%
Q3 20248.85%
Q4 20248.70%
Q1 20258.24%
Q2 20258.58%
Q3 20258.55%
Q4 20258.32%
Q1 20267.68%
Q2 20267.85%
Delinquent loans (60+ days)
0.00%0.21%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.00%
Q4 20240.12%
Q1 20250.00%
Q2 20250.03%
Q3 20250.13%
Q4 20250.11%
Q1 20260.02%
Q2 20260.41%
Return on assets
-0.50%0.33%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.06%
Q4 20241.01%
Q1 20250.79%
Q2 20250.89%
Q3 20250.77%
Q4 20250.67%
Q1 2026-0.50%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$37.7M7.85%0.41%0.18%76.7%
Q1 202657$37.4M7.68%0.02%-0.50%67.7%
Q4 202566$35.1M8.32%0.11%0.67%72.8%
Q3 202567$33.7M8.55%0.13%0.77%76.8%
Q2 202569$33.1M8.58%0.03%0.89%80.0%
Q1 202568$33.4M8.24%0.00%0.79%75.3%
Q4 202469$30.9M8.70%0.12%1.01%80.1%
Q3 202470$29.5M8.85%0.00%1.06%84.7%
Q2 202470$29.4M8.66%0.10%1.17%84.7%

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 ratio7.85%
4th
Problem loans0.41%
62nd
Net charge-offs0.10%
57th
Return on assets0.18%
26th
Loans to deposits76.7%
24th
Uninsured deposits3.0%
36th
Loan-loss reserves0.00%
37th
Texas ratio3.7%
38th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Badlands Federal Credit UnionCredit union Glendive, MT54 out of 100, Below average$37.6M8.1%1.45%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 Butte Community Federal Credit Union?

Yes. Butte Community Federal Credit Union is a federally insured credit union (NCUA charter #19896). 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 3.0% of shares and deposits ($1.0M) 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 7.85%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Butte Community Federal Credit Union lists 3 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Butte Community Federal Credit Union
Type
Federal credit union
NCUA charter #
19896
RSSD ID
514589
Primary regulator
NCUA
Established
1970
Headquarters
2901 Grand Ave, Butte, MT 59701
Employees
8

Quick answers

Butte Community Federal Credit Union: common questions

Is Butte Community Federal Credit Union NCUA insured?

Yes. Butte Community Federal Credit Union is a federally insured credit union (NCUA charter #19896). 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 Butte Community Federal Credit Union's TellerScore?

57 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 Butte Community Federal Credit Union have?

3 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Butte

InstitutionScoreAssetsCapitalProblem loansCompare
Mile High Federal Credit UnionCredit union Butte, MT87 out of 100, Very strong$30.2M14.3%0.00%vs
Clearwater Federal Credit UnionCredit union Missoula, MT76 out of 100, Strong$1.2B12.8%0.67%vs
Horizon Credit UnionCredit union Spokane Valley, WA75 out of 100, Strong$2.0B13.1%0.27%vs
Mountain West Federal Credit UnionCredit union Butte, MT73 out of 100, Strong$24.2M15.5%2.27%vs
First Montana Bank, Inc.Bank Missoula, MT73 out of 100, Strong$530.3M10.2%0.13%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs