Rocky Mountain Credit Union (NCUA charter #97110) is based in Helena, Montana. Its Q2 2026 call report shows $426.5M in total assets and $366.6M in member shares and deposits and 7 offices.
Based on its Q2 2026 filing, Rocky Mountain Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 37th. Its strongest component is funding & liquidity (87/100; 74% loans-to-deposits, 0% uninsured), and its lowest is earnings (27/100; 0.17%).
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 fell 5 points (58 → 53), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 57 |
| Q1 2025 | 57 |
| Q2 2025 | 58 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 53 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.79% |
| Q3 2024 | 8.80% |
| Q4 2024 | 8.50% |
| Q1 2025 | 8.49% |
| Q2 2025 | 8.82% |
| Q3 2025 | 8.92% |
| Q4 2025 | 8.80% |
| Q1 2026 | 8.72% |
| Q2 2026 | 8.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.80% |
| Q4 2024 | 1.05% |
| Q1 2025 | 1.02% |
| Q2 2025 | 0.96% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $426.5M | 8.74% | 1.15% | 0.17% | 73.6% |
| Q1 2026 | 53 | $424.3M | 8.72% | 1.09% | 0.10% | 72.8% |
| Q4 2025 | 58 | $419.5M | 8.80% | 1.13% | 0.73% | 73.4% |
| Q3 2025 | 60 | $412.1M | 8.92% | 1.04% | 0.84% | 73.6% |
| Q2 2025 | 58 | $399.4M | 8.82% | 0.96% | 0.53% | 74.7% |
| Q1 2025 | 57 | $408.4M | 8.49% | 1.02% | 0.50% | 71.7% |
| Q4 2024 | 57 | $401.7M | 8.50% | 1.05% | 0.60% | 74.1% |
| Q3 2024 | 59 | $382.7M | 8.80% | 0.80% | 0.56% | 77.5% |
| Q2 2024 | 57 | $374.6M | 8.79% | 0.86% | 0.46% | 79.8% |
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).
Similar-size credit unions in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Park Side Financial Credit UnionCredit union Whitefish, MT | 68 out of 100, Moderate | $390.4M | 9.4% | 0.20% | vs |
| Montana Federal Credit UnionCredit union Great Falls, MT | 79 out of 100, Strong | $361.5M | 12.5% | 0.26% | vs |
| Intrepid Credit UnionCredit union Helena, MT | 71 out of 100, Strong | $310.8M | 11.1% | 0.44% | vs |
| Valley Financial Credit UnionCredit union Billings, MT | 71 out of 100, Strong | $600.9M | 10.7% | 0.25% | vs |
| Billings Federal Credit UnionCredit union Billings, MT | 64 out of 100, Moderate | $216.1M | 11.7% | 0.77% | vs |
| 1st Liberty Federal Credit UnionCredit union Great Falls, MT | 84 out of 100, Strong | $214.2M | 14.4% | 0.28% | vs |
Deposit insurance
Is my money safe at Rocky Mountain Credit Union?
Rocky Mountain Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.74%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Rocky Mountain Credit Union lists 7 offices in 4 cities. Most locations:
- Helena, MT (3)
- Bozeman, MT (2)
- Belgrade, MT (1)
- Butte, MT (1)
HMDA 2025
Mortgage lending
In 2025, Rocky Mountain Credit Union reported 62 home-loan applications under HMDA (LEI 254900I635IC2OZ0AI92): 50 originated ($11,800,000 total), 11 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Rocky Mountain Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 97110
- RSSD ID
- 492892
- Primary regulator
- State + NCUA
- Established
- 1940
- Headquarters
- 3400 N Montana Ave, Helena, MT 59602
- Employees
- 96
Quick answers
Rocky Mountain Credit Union: common questions
Is Rocky Mountain Credit Union NCUA insured?
Rocky Mountain Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is Rocky Mountain Credit Union's TellerScore?
53 out of 100 (Below average), 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 Rocky Mountain Credit Union have?
7 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Helena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vocal Credit UnionCredit union Helena, MT | 82 out of 100, Strong | $52.6M | 13.2% | 0.40% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Intrepid Credit UnionCredit union Helena, MT | 71 out of 100, Strong | $310.8M | 11.1% | 0.44% | vs |
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |