Montana Educators' Credit Union (NCUA charter #68190) is based in Missoula, Montana. Its Q2 2026 call report shows $35.3M in total assets and $31.7M in member shares and deposits and 2 offices across 2 states.
Based on its Q2 2026 filing, Montana Educators' Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 18th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (50/100; 10.01%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.04% |
| Q3 2024 | 9.55% |
| Q4 2024 | 9.81% |
| Q1 2025 | 9.78% |
| Q2 2025 | 9.83% |
| Q3 2025 | 9.96% |
| Q4 2025 | 9.52% |
| Q1 2026 | 9.61% |
| Q2 2026 | 10.01% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.38% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $35.3M | 10.01% | 0.38% | 1.51% | 70.5% |
| Q1 2026 | 75 | $35.2M | 9.61% | 0.00% | 1.26% | 77.7% |
| Q4 2025 | 71 | $34.3M | 9.52% | 0.46% | 1.32% | 78.8% |
| Q3 2025 | 70 | $32.9M | 9.96% | 0.64% | 1.34% | 82.0% |
| Q2 2025 | 76 | $32.0M | 9.83% | 0.02% | 1.36% | 78.4% |
| Q1 2025 | 74 | $31.8M | 9.78% | 0.25% | 1.26% | 76.3% |
| Q4 2024 | 72 | $30.7M | 9.81% | 0.12% | 0.93% | 75.8% |
| Q3 2024 | 72 | $29.0M | 9.55% | 0.01% | 1.00% | 87.7% |
| Q2 2024 | 65 | $27.7M | 9.04% | 0.48% | 0.99% | 85.4% |
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 |
|---|---|---|---|---|---|
| Northwestern Energy Employees Federal Credit UnionCredit union Butte, MT | 72 out of 100, Strong | $35.3M | 10.9% | 0.12% | vs |
| Badlands Federal Credit UnionCredit union Glendive, MT | 54 out of 100, Below average | $37.6M | 8.1% | 1.45% | vs |
| Butte Community Federal Credit UnionCredit union Butte, MT | 57 out of 100, Moderate | $37.7M | 7.8% | 0.41% | vs |
| Mile High Federal Credit UnionCredit union Butte, MT | 87 out of 100, Very strong | $30.2M | 14.3% | 0.00% | vs |
| Glendive Bn Federal Credit UnionCredit union Glendive, MT | 93 out of 100, Very strong | $28.0M | 21.5% | 0.00% | vs |
| Community 1st Federal Credit UnionCredit union Miles City, MT | 58 out of 100, Moderate | $43.2M | 11.1% | 1.60% | vs |
Deposit insurance
Is my money safe at Montana Educators' Credit Union?
Yes. Montana Educators' Credit Union is a federally insured credit union (NCUA charter #68190). 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 ($939K) 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 10.01%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Montana Educators' Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Fort Wayne, IN (1)
- Missoula, MT (1)
Identity & history
Profile
- Legal name
- Montana Educators' Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68190
- RSSD ID
- 2381002
- Primary regulator
- State + NCUA
- Established
- 1995
- Headquarters
- PO Box 2668, Missoula, MT 59806
- Employees
- 5
Quick answers
Montana Educators' Credit Union: common questions
Is Montana Educators' Credit Union NCUA insured?
Yes. Montana Educators' Credit Union is a federally insured credit union (NCUA charter #68190). 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 Montana Educators' Credit Union's TellerScore?
76 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 Montana Educators' Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Missoula
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Pats Employees Federal Credit UnionCredit union Missoula, MT | 77 out of 100, Strong | $5.4M | 12.8% | 1.00% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |