TellerScore

Grasslands Federal Credit Union (NCUA charter #11030) is based in Circle, Montana. Its Q2 2026 call report shows $141.5M in total assets and $120.5M in member shares and deposits and 2 offices.

Grasslands Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 7th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 12% uninsured); earnings contributes the least (65/100, 1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.49%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity99/100
Loans ÷ shares: 61.4% · 11.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.30%

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 rose 5 points (83 → 88), mostly because the loan quality component improved by 9 points.

TellerScore
728088Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202480
Q4 202482
Q1 202578
Q2 202583
Q3 202586
Q4 202585
Q1 202683
Q2 202688
Net worth ratio
7.00%10.88%14.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.97%
Q3 202414.55%
Q4 202414.72%
Q1 202514.30%
Q2 202513.77%
Q3 202514.76%
Q4 202514.07%
Q1 202613.30%
Q2 202613.49%
Delinquent loans (60+ days)
0.05%0.66%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.28%
Q3 20240.69%
Q4 20240.50%
Q1 20250.92%
Q2 20250.33%
Q3 20250.30%
Q4 20250.16%
Q1 20260.18%
Q2 20260.05%
Return on assets
0.70%0.91%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.89%
Q4 20240.86%
Q1 20250.80%
Q2 20250.90%
Q3 20251.02%
Q4 20250.78%
Q1 20260.75%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$141.5M13.49%0.05%1.13%61.4%
Q1 202683$139.5M13.30%0.18%0.75%59.7%
Q4 202585$130.0M14.07%0.16%0.78%68.8%
Q3 202586$123.4M14.76%0.30%1.02%74.9%
Q2 202583$129.7M13.77%0.33%0.90%70.5%
Q1 202578$122.5M14.30%0.92%0.80%69.4%
Q4 202482$117.3M14.72%0.50%0.86%79.9%
Q3 202480$117.1M14.55%0.69%0.89%80.5%
Q2 202472$119.4M13.97%1.28%0.70%75.0%

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).

Capital ratio13.49%
74th
Problem loans0.05%
98th
Net charge-offs0.02%
96th
Return on assets1.13%
73rd
Loans to deposits61.4%
76th
Uninsured deposits11.9%
11th
Loan-loss reserves0.00%
50th
Texas ratio0.3%
97th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Russell Country Federal Credit UnionCredit union Great Falls, MT48 out of 100, Below average$131.1M7.6%1.12%vs
Richland Federal Credit UnionCredit union Sidney, MT92 out of 100, Very strong$118.9M14.9%0.14%vs
Fergus Federal Credit UnionCredit union Lewistown, MT87 out of 100, Very strong$117.5M14.1%0.56%vs
Lincoln County Credit UnionCredit union Libby, MT98 out of 100, Very strong$186.6M21.6%0.22%vs
Sky Federal Credit UnionCredit union Livingston, MT53 out of 100, Below average$197.3M7.7%1.02%vs
Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT55 out of 100, Moderate$203.3M11.6%1.85%vs

Deposit insurance

Is my money safe at Grasslands Federal Credit Union?

Yes. Grasslands Federal Credit Union is a federally insured credit union (NCUA charter #11030). 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 11.9% of shares and deposits ($14.4M) 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 13.49%, well 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

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

  • Baker, MT (1)
  • Circle, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Grasslands Federal Credit Union
Type
Federal credit union
NCUA charter #
11030
RSSD ID
628981
Primary regulator
NCUA
Established
1956
Headquarters
Po Box 79, Circle, MT 59215
Employees
17

Quick answers

Grasslands Federal Credit Union: common questions

Is Grasslands Federal Credit Union NCUA insured?

Yes. Grasslands Federal Credit Union is a federally insured credit union (NCUA charter #11030). 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 Grasslands Federal Credit Union's TellerScore?

88 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.

How many branches does Grasslands Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Circle

InstitutionScoreAssetsCapitalProblem loansCompare
Garfield County BankBank Jordan, MT64 out of 100, Moderate$108.0M15.8%8.42%vs