TellerScore

Park Side Financial Credit Union (NCUA charter #68647) is based in Whitefish, Montana. Its Q2 2026 call report shows $390.4M in total assets and $350.6M in member shares and deposits and 8 offices.

Park Side Financial Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 25th. Problem-loan coverage contributes the most (97/100, 1.5%); capital cushion contributes the least (44/100, 9.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.37%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity83/100
Loans ÷ shares: 77.3% · 6.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.54%

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 6 points (62 → 68), mostly because the earnings component improved by 26 points.

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202461
Q1 202559
Q2 202562
Q3 202564
Q4 202564
Q1 202667
Q2 202668
Net worth ratio
7.00%8.18%9.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.91%
Q3 20249.06%
Q4 20249.16%
Q1 20259.19%
Q2 20259.27%
Q3 20259.35%
Q4 20259.32%
Q1 20269.32%
Q2 20269.37%
Delinquent loans (60+ days)
0.12%0.33%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.37%
Q4 20240.27%
Q1 20250.29%
Q2 20250.12%
Q3 20250.24%
Q4 20250.21%
Q1 20260.54%
Q2 20260.20%
Return on assets
-0.18%0.42%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.16%
Q3 2024-0.08%
Q4 20240.00%
Q1 2025-0.18%
Q2 20250.03%
Q3 20250.28%
Q4 20250.23%
Q1 20261.02%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$390.4M9.37%0.20%0.67%77.3%
Q1 202667$389.1M9.32%0.54%1.02%77.5%
Q4 202564$378.7M9.32%0.21%0.23%78.4%
Q3 202564$378.1M9.35%0.24%0.28%80.3%
Q2 202562$373.6M9.27%0.12%0.03%83.4%
Q1 202559$374.2M9.19%0.29%-0.18%84.0%
Q4 202461$377.3M9.16%0.27%0.00%83.2%
Q3 202458$380.8M9.06%0.37%-0.08%84.9%
Q2 202459$386.2M8.91%0.18%-0.16%88.6%

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 ratio9.37%
18th
Problem loans0.20%
90th
Net charge-offs0.12%
83rd
Return on assets0.67%
44th
Loans to deposits77.3%
46th
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
81st

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Montana Federal Credit UnionCredit union Great Falls, MT79 out of 100, Strong$361.5M12.5%0.26%vs
Rocky Mountain Credit UnionCredit union Helena, MT53 out of 100, Below average$426.5M8.7%1.15%vs
Intrepid Credit UnionCredit union Helena, MT71 out of 100, Strong$310.8M11.1%0.44%vs
Billings Federal Credit UnionCredit union Billings, MT64 out of 100, Moderate$216.1M11.7%0.77%vs
1st Liberty Federal Credit UnionCredit union Great Falls, MT84 out of 100, Strong$214.2M14.4%0.28%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 Park Side Financial Credit Union?

Yes. Park Side Financial Credit Union is a federally insured credit union (NCUA charter #68647). 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 6.2% of shares and deposits ($21.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Park Side Financial Credit Union lists 8 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Park Side Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68647
RSSD ID
835284
Primary regulator
State + NCUA
Established
1965
Headquarters
1300 Baker Ave, Whitefish, MT 59937
Employees
86

Quick answers

Park Side Financial Credit Union: common questions

Is Park Side Financial Credit Union NCUA insured?

Yes. Park Side Financial Credit Union is a federally insured credit union (NCUA charter #68647). 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 Park Side Financial Credit Union's TellerScore?

68 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 Park Side Financial Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Whitefish

InstitutionScoreAssetsCapitalProblem loansCompare
American BankBank Bozeman, MT79 out of 100, Strong$630.4M11.1%0.00%vs
Freedom BankBank Columbia Falls, MT78 out of 100, Strong$157.3M12.2%0.54%vs
Whitefish Credit Union AssociationCredit union Whitefish, MT76 out of 100, Strong$2.1B12.7%0.15%vs
First Montana Bank, Inc.Bank Missoula, MT73 out of 100, Strong$530.3M10.2%0.13%vs
Valley Bank of KalispellBank Kalispell, MT72 out of 100, Strong$218.1M9.5%0.35%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs