Headquartered in Sulphur, Louisiana, Montell Federal Credit Union is a federal credit union with $4.5M in total assets and $3.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1970.
Based on its Q2 2026 filing, Montell Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 86th. Its strongest component is capital cushion (100/100; 24.40%), and its lowest is loan quality (32/100; 2.04%).
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 rose 8 points (58 → 66), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 64 |
| Q4 2024 | 52 |
| Q1 2025 | 64 |
| Q2 2025 | 58 |
| Q3 2025 | 52 |
| Q4 2025 | 48 |
| Q1 2026 | 55 |
| Q2 2026 | 66 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.38% |
| Q3 2024 | 19.82% |
| Q4 2024 | 19.71% |
| Q1 2025 | 19.70% |
| Q2 2025 | 20.23% |
| Q3 2025 | 20.39% |
| Q4 2025 | 20.17% |
| Q1 2026 | 21.80% |
| Q2 2026 | 24.40% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.27% |
| Q3 2024 | 0.95% |
| Q4 2024 | 2.21% |
| Q1 2025 | 1.99% |
| Q2 2025 | 2.35% |
| Q3 2025 | 4.15% |
| Q4 2025 | 6.55% |
| Q1 2026 | 3.16% |
| Q2 2026 | 2.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.40% |
| Q3 2024 | -1.21% |
| Q4 2024 | -1.19% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $4.5M | 24.40% | 2.04% | 0.94% | 117.1% |
| Q1 2026 | 55 | $4.8M | 21.80% | 3.16% | 0.77% | 114.3% |
| Q4 2025 | 48 | $5.1M | 20.17% | 6.55% | 0.09% | 105.6% |
| Q3 2025 | 52 | $5.2M | 20.39% | 4.15% | 0.24% | 102.3% |
| Q2 2025 | 58 | $5.2M | 20.23% | 2.35% | 0.29% | 109.9% |
| Q1 2025 | 64 | $5.4M | 19.70% | 1.99% | 0.62% | 109.5% |
| Q4 2024 | 52 | $5.3M | 19.71% | 2.21% | -1.19% | 111.9% |
| Q3 2024 | 64 | $5.4M | 19.82% | 0.95% | -1.21% | 149.2% |
| Q2 2024 | 61 | $5.5M | 19.38% | 1.27% | -1.40% | 138.9% |
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).
Similar-size credit unions in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Davison Employees Federal Credit UnionCredit union Sulphur, LA | 56 out of 100, Moderate | $4.3M | 23.7% | 2.09% | vs |
| East Baton Rouge Teachers Federal Credit UnionCredit union Baton Rouge, LA | 29 out of 100, Low | $4.8M | 8.8% | 7.75% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
| P.H.I. Federal Credit UnionCredit union Lafayette, LA | 55 out of 100, Moderate | $4.9M | 7.0% | 0.00% | vs |
| S H P E Federal Credit UnionCredit union Greensburg, LA | 33 out of 100, Low | $4.1M | 7.5% | 11.30% | vs |
| Orleans Parish Sheriff'S Credit UnionCredit union New Orleans, LA | 72 out of 100, Strong | $5.0M | 46.8% | 1.02% | vs |
Deposit insurance
Is my money safe at Montell Federal Credit Union?
Yes. Montell Federal Credit Union is a federally insured credit union (NCUA charter #20228). 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 24.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Montell Federal Credit Union lists 1 office in 1 city. Most locations:
- Westlake, LA (1)
Identity & history
Profile
- Legal name
- Montell Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20228
- RSSD ID
- 413888
- Primary regulator
- NCUA
- Established
- 1970
- Headquarters
- P O Box 3412, Sulphur, LA 70664
- Employees
- 2
Quick answers
Montell Federal Credit Union: common questions
Is Montell Federal Credit Union NCUA insured?
Yes. Montell Federal Credit Union is a federally insured credit union (NCUA charter #20228). 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 Montell Federal Credit Union's TellerScore?
66 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 Montell Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sulphur
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| Calcasieu Teachers and Employees Credit UnionCredit union Lake Charles, LA | 86 out of 100, Very strong | $62.9M | 16.3% | 0.13% | vs |
| The BankBank Jennings, LA | 83 out of 100, Strong | $462.0M | 12.8% | 0.48% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| First National Bank of LouisianaBank Crowley, LA | 78 out of 100, Strong | $631.1M | 11.0% | 0.00% | vs |
| Old Spanish Trail Credit UnionCredit union Westlake, LA | 77 out of 100, Strong | $5.5M | 30.5% | 0.31% | vs |