TellerScore

Daniels-Sheridan Federal Credit Union (NCUA charter #5063) is based in Scobey, Montana. Its Q2 2026 call report shows $92.2M in total assets and $80.0M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Daniels-Sheridan Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 32nd. Its strongest component is funding & liquidity (91/100; 66% loans-to-deposits, 17% uninsured), and its lowest is earnings (25/100; 0.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.92%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.51%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity91/100
Loans ÷ shares: 66.4% · 17.4% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.30%

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 20 points (80 → 60), mostly because the loan quality component weakened by 40 points.

TellerScore
607386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202479
Q1 202586
Q2 202580
Q3 202578
Q4 202572
Q1 202668
Q2 202660
Net worth ratio
7.00%11.11%15.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.21%
Q3 202415.10%
Q4 202414.84%
Q1 202514.55%
Q2 202513.88%
Q3 202512.97%
Q4 202512.21%
Q1 202611.87%
Q2 202611.92%
Delinquent loans (60+ days)
0.22%0.87%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.52%
Q4 20240.51%
Q1 20250.22%
Q2 20250.31%
Q3 20250.31%
Q4 20250.66%
Q1 20260.71%
Q2 20261.51%
Return on assets
0.13%0.60%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.68%
Q4 20240.63%
Q1 20251.06%
Q2 20250.65%
Q3 20250.60%
Q4 20250.48%
Q1 20260.16%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$92.2M11.92%1.51%0.13%66.4%
Q1 202668$92.4M11.87%0.71%0.16%64.8%
Q4 202572$89.5M12.21%0.66%0.48%66.9%
Q3 202578$83.9M12.97%0.31%0.60%75.8%
Q2 202580$77.5M13.88%0.31%0.65%82.2%
Q1 202586$73.6M14.55%0.22%1.06%84.8%
Q4 202479$70.8M14.84%0.51%0.63%91.5%
Q3 202479$68.9M15.10%0.52%0.68%99.5%
Q2 202480$67.8M15.21%0.41%0.73%97.9%

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 ratio11.92%
31st
Problem loans1.51%
28th
Net charge-offs0.10%
57th
Return on assets0.13%
24th
Loans to deposits66.4%
39th
Uninsured deposits17.4%
2nd
Loan-loss reserves0.00%
37th
Texas ratio7.3%
20th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Ravalli County Federal Credit UnionCredit union Hamilton, MT92 out of 100, Very strong$89.4M13.9%0.02%vs
Rimrock Credit UnionCredit union Billings, MT93 out of 100, Very strong$64.0M15.0%0.15%vs
Vocal Credit UnionCredit union Helena, MT82 out of 100, Strong$52.6M13.2%0.40%vs
Community 1st Federal Credit UnionCredit union Miles City, MT58 out of 100, Moderate$43.2M11.1%1.60%vs
Butte Community Federal Credit UnionCredit union Butte, MT57 out of 100, Moderate$37.7M7.8%0.41%vs
Badlands Federal Credit UnionCredit union Glendive, MT54 out of 100, Below average$37.6M8.1%1.45%vs

Deposit insurance

Is my money safe at Daniels-Sheridan Federal Credit Union?

Yes. Daniels-Sheridan Federal Credit Union is a federally insured credit union (NCUA charter #5063). 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 17.4% of shares and deposits ($13.9M) 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 11.92%, 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

Daniels-Sheridan Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Medicine Lake, MT (1)
  • Scobey, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Daniels-Sheridan Federal Credit Union
Type
Federal credit union
NCUA charter #
5063
RSSD ID
106872
Primary regulator
NCUA
Established
1943
Headquarters
Po Box 1160, Scobey, MT 59263
Employees
17

Quick answers

Daniels-Sheridan Federal Credit Union: common questions

Is Daniels-Sheridan Federal Credit Union NCUA insured?

Yes. Daniels-Sheridan Federal Credit Union is a federally insured credit union (NCUA charter #5063). 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 Daniels-Sheridan Federal Credit Union's TellerScore?

60 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 Daniels-Sheridan Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Scobey

InstitutionScoreAssetsCapitalProblem loansCompare
Independence BankBank Havre, MT84 out of 100, Strong$1.4B13.4%0.46%vs