Froid Federal Credit Union (NCUA charter #3602) is based in Froid, Montana. Its Q2 2026 call report shows $1.3M in total assets and $1.1M in member shares and deposits.
Froid Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 10th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (70/100, 11.96%).
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 fell 4 points (90 → 86), mostly because the capital cushion component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 88 |
| Q4 2024 | 79 |
| Q1 2025 | 89 |
| Q2 2025 | 90 |
| Q3 2025 | 82 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.08% |
| Q3 2024 | 14.81% |
| Q4 2024 | 13.33% |
| Q1 2025 | 13.92% |
| Q2 2025 | 13.48% |
| Q3 2025 | 13.20% |
| Q4 2025 | 12.30% |
| Q1 2026 | 11.76% |
| Q2 2026 | 11.96% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.14% |
| Q3 2024 | 1.13% |
| Q4 2024 | 0.51% |
| Q1 2025 | 1.58% |
| Q2 2025 | 1.66% |
| Q3 2025 | 0.96% |
| Q4 2025 | 0.94% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $1.3M | 11.96% | 0.00% | 1.58% | 72.4% |
| Q1 2026 | 80 | $1.2M | 11.76% | 0.00% | 1.02% | 78.3% |
| Q4 2025 | 80 | $1.2M | 12.30% | 0.00% | 0.94% | 86.0% |
| Q3 2025 | 82 | $1.1M | 13.20% | 0.00% | 0.96% | 87.7% |
| Q2 2025 | 90 | $1.1M | 13.48% | 0.00% | 1.66% | 81.7% |
| Q1 2025 | 89 | $1.0M | 13.92% | 0.00% | 1.58% | 87.6% |
| Q4 2024 | 79 | $994K | 13.33% | 0.00% | 0.51% | 88.8% |
| Q3 2024 | 88 | $1.1M | 14.81% | 0.00% | 1.13% | 88.2% |
| Q2 2024 | 91 | $1.1M | 14.08% | 0.16% | 3.14% | 93.3% |
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).
Similar-size credit unions in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northern Montana Hospital Federal Credit UnionCredit union Havre, MT | 73 out of 100, Strong | $982K | 11.7% | 0.00% | vs |
| Tricounty Federal Credit UnionCredit union Harlowton, MT | 66 out of 100, Moderate | $1.7M | 10.2% | 0.00% | vs |
| The Morning Star Federal Credit UnionCredit union Lame Deer, MT | 47 out of 100, Below average | $2.2M | 9.9% | 5.89% | vs |
| M D U Employees Federal Credit UnionCredit union Glendive, MT | 84 out of 100, Strong | $4.0M | 17.2% | 0.00% | vs |
| St. Pats Employees Federal Credit UnionCredit union Missoula, MT | 77 out of 100, Strong | $5.4M | 12.8% | 1.00% | vs |
| Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT | 95 out of 100, Very strong | $9.7M | 13.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Froid Federal Credit Union?
Yes. Froid Federal Credit Union is a federally insured credit union (NCUA charter #3602). 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 0.0% of shares and deposits ($0) 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 11.96%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Froid Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 3602
- RSSD ID
- 381576
- Primary regulator
- NCUA
- Established
- 1940
- Headquarters
- P.O. Box 249, Froid, MT 59226
- Employees
- 2
Quick answers
Froid Federal Credit Union: common questions
Is Froid Federal Credit Union NCUA insured?
Yes. Froid Federal Credit Union is a federally insured credit union (NCUA charter #3602). 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 Froid Federal Credit Union's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.