TellerScore

M D U Employees Federal Credit Union (NCUA charter #11331) is based in Glendive, Montana. Its Q2 2026 call report shows $4.0M in total assets and $3.3M in member shares and deposits and 1 office.

M D U Employees Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 12th. Capital cushion contributes the most (100/100, 17.23%); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.23%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity82/100
Loans ÷ shares: 77.9% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 3 points (87 → 84), mostly because the earnings component weakened by 16 points.

TellerScore
818589Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202489
Q4 202489
Q1 202587
Q2 202587
Q3 202587
Q4 202585
Q1 202681
Q2 202684
Net worth ratio
7.00%12.12%17.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.77%
Q3 202416.62%
Q4 202416.59%
Q1 202516.20%
Q2 202517.21%
Q3 202517.21%
Q4 202516.90%
Q1 202617.10%
Q2 202617.23%
Delinquent loans (60+ days)
0.00%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.15%
Q4 20240.04%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.48%
Q2 20260.00%
Return on assets
0.33%0.82%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.32%
Q4 20241.05%
Q1 20250.70%
Q2 20250.73%
Q3 20250.72%
Q4 20250.50%
Q1 20260.47%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$4.0M17.23%0.00%0.33%77.9%
Q1 202681$4.1M17.10%0.48%0.47%78.7%
Q4 202585$4.1M16.90%0.00%0.50%79.6%
Q3 202587$4.0M17.21%0.00%0.72%78.1%
Q2 202587$4.0M17.21%0.00%0.73%79.0%
Q1 202587$4.2M16.20%0.00%0.70%77.4%
Q4 202489$4.0M16.59%0.04%1.05%83.6%
Q3 202489$4.0M16.62%0.15%1.32%86.7%
Q2 202488$3.9M16.77%0.27%1.29%88.8%

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 ratio17.23%
66th
Problem loans0.00%
94th
Net charge-offs0.34%
36th
Return on assets0.33%
33rd
Loans to deposits77.9%
22nd
Uninsured deposits0.0%
81st
Loan-loss reserves-0.06%
0th
Texas ratio0.0%
93rd

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
St. Pats Employees Federal Credit UnionCredit union Missoula, MT77 out of 100, Strong$5.4M12.8%1.00%vs
The Morning Star Federal Credit UnionCredit union Lame Deer, MT47 out of 100, Below average$2.2M9.9%5.89%vs
Tricounty Federal Credit UnionCredit union Harlowton, MT66 out of 100, Moderate$1.7M10.2%0.00%vs
Froid Federal Credit UnionCredit union Froid, MT86 out of 100, Very strong$1.3M12.0%0.00%vs
Northern Montana Hospital Federal Credit UnionCredit union Havre, MT73 out of 100, Strong$982K11.7%0.00%vs
Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT95 out of 100, Very strong$9.7M13.7%0.00%vs

Deposit insurance

Is my money safe at M D U Employees Federal Credit Union?

Yes. M D U Employees Federal Credit Union is a federally insured credit union (NCUA charter #11331). 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 17.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

M D U Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • Glendive, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
M D U Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
11331
RSSD ID
535687
Primary regulator
NCUA
Established
1956
Headquarters
210 S. Merrill Ave, Glendive, MT 59330
Employees
2

Quick answers

M D U Employees Federal Credit Union: common questions

Is M D U Employees Federal Credit Union NCUA insured?

Yes. M D U Employees Federal Credit Union is a federally insured credit union (NCUA charter #11331). 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 M D U Employees Federal Credit Union's TellerScore?

84 out of 100 (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 M D U Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Glendive

InstitutionScoreAssetsCapitalProblem loansCompare
Glendive Bn Federal Credit UnionCredit union Glendive, MT93 out of 100, Very strong$28.0M21.5%0.00%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs
Badlands Federal Credit UnionCredit union Glendive, MT54 out of 100, Below average$37.6M8.1%1.45%vs