TellerScore

Northwestern Energy Employees Federal Credit Union is a federal credit union headquartered in Butte, Montana, in business for about 52 years. At the end of Q2 2026 it reported $35.3M in total assets and $31.1M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Northwestern Energy Employees Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 22nd. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.86%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity75/100
Loans ÷ shares: 85.3% · 0.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.84%

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 (73 → 72).

TellerScore
697173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202472
Q1 202572
Q2 202573
Q3 202572
Q4 202573
Q1 202670
Q2 202672
Net worth ratio
7.00%9.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.40%
Q3 20249.85%
Q4 202410.23%
Q1 202510.18%
Q2 202510.57%
Q3 202510.81%
Q4 202511.02%
Q1 202610.68%
Q2 202610.86%
Delinquent loans (60+ days)
0.00%0.09%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.02%
Q1 20250.09%
Q2 20250.07%
Q3 20250.19%
Q4 20250.17%
Q1 20260.11%
Q2 20260.12%
Return on assets
0.48%0.70%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.63%
Q4 20240.84%
Q1 20250.89%
Q2 20250.87%
Q3 20250.91%
Q4 20250.92%
Q1 20260.48%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$35.3M10.86%0.12%0.59%85.3%
Q1 202670$35.3M10.68%0.11%0.48%86.4%
Q4 202573$33.8M11.02%0.17%0.92%91.9%
Q3 202572$33.7M10.81%0.19%0.91%92.4%
Q2 202573$33.7M10.57%0.07%0.87%89.7%
Q1 202572$34.3M10.18%0.09%0.89%86.9%
Q4 202472$33.4M10.23%0.02%0.84%86.2%
Q3 202470$33.4M9.85%0.00%0.63%84.1%
Q2 202469$34.4M9.40%0.00%0.54%77.4%

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).

Capital ratio10.86%
23rd
Problem loans0.12%
79th
Net charge-offs0.04%
64th
Return on assets0.59%
47th
Loans to deposits85.3%
14th
Uninsured deposits0.8%
56th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
68th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Montana Educators' Credit UnionCredit union Missoula, MT76 out of 100, Strong$35.3M10.0%0.38%vs
Badlands Federal Credit UnionCredit union Glendive, MT54 out of 100, Below average$37.6M8.1%1.45%vs
Butte Community Federal Credit UnionCredit union Butte, MT57 out of 100, Moderate$37.7M7.8%0.41%vs
Mile High Federal Credit UnionCredit union Butte, MT87 out of 100, Very strong$30.2M14.3%0.00%vs
Glendive Bn Federal Credit UnionCredit union Glendive, MT93 out of 100, Very strong$28.0M21.5%0.00%vs
Community 1st Federal Credit UnionCredit union Miles City, MT58 out of 100, Moderate$43.2M11.1%1.60%vs

Deposit insurance

Is my money safe at Northwestern Energy Employees Federal Credit Union?

Yes. Northwestern Energy Employees Federal Credit Union is a federally insured credit union (NCUA charter #21609). 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 0.8% of shares and deposits ($260K) 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 10.86%, 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

Northwestern Energy Employees Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northwestern Energy Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
21609
RSSD ID
65184
Primary regulator
NCUA
Established
1974
Headquarters
Po Box 3529, Butte, MT 59702
Employees
10

Quick answers

Northwestern Energy Employees Federal Credit Union: common questions

Is Northwestern Energy Employees Federal Credit Union NCUA insured?

Yes. Northwestern Energy Employees Federal Credit Union is a federally insured credit union (NCUA charter #21609). 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 Northwestern Energy Employees Federal Credit Union's TellerScore?

72 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 Northwestern Energy Employees Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.