Seg Federal Credit Union (NCUA charter #7405) is based in Laurel, Montana. Its Q2 2026 call report shows $25.6M in total assets and $22.1M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Seg Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 19th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is earnings (54/100; 0.85%).
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 4 points (78 → 74), mostly because the earnings component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 83 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.73% |
| Q3 2024 | 11.68% |
| Q4 2024 | 11.39% |
| Q1 2025 | 11.33% |
| Q2 2025 | 12.26% |
| Q3 2025 | 12.45% |
| Q4 2025 | 12.35% |
| Q1 2026 | 12.57% |
| Q2 2026 | 12.63% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.75% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.25% |
| Q1 2025 | 0.72% |
| Q2 2025 | 1.22% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.90% |
| Q1 2026 | 1.39% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $25.6M | 12.63% | 0.75% | 0.85% | 79.0% |
| Q1 2026 | 83 | $25.5M | 12.57% | 0.26% | 1.39% | 79.3% |
| Q4 2025 | 77 | $25.3M | 12.35% | 0.41% | 0.90% | 79.1% |
| Q3 2025 | 77 | $24.8M | 12.45% | 0.42% | 0.94% | 79.3% |
| Q2 2025 | 78 | $25.0M | 12.26% | 0.53% | 1.22% | 79.5% |
| Q1 2025 | 75 | $26.2M | 11.33% | 0.18% | 0.72% | 74.7% |
| Q4 2024 | 75 | $25.6M | 11.39% | 0.57% | 1.25% | 77.0% |
| Q3 2024 | 78 | $24.4M | 11.68% | 0.31% | 1.27% | 81.8% |
| Q2 2024 | 73 | $23.4M | 11.73% | 0.63% | 1.08% | 83.5% |
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 |
|---|---|---|---|---|---|
| Mountain West Federal Credit UnionCredit union Butte, MT | 73 out of 100, Strong | $24.2M | 15.5% | 2.27% | vs |
| Wolf Point Federal Credit UnionCredit union Wolf Point, MT | 68 out of 100, Moderate | $23.3M | 17.2% | 1.54% | vs |
| Glendive Bn Federal Credit UnionCredit union Glendive, MT | 93 out of 100, Very strong | $28.0M | 21.5% | 0.00% | vs |
| Mile High Federal Credit UnionCredit union Butte, MT | 87 out of 100, Very strong | $30.2M | 14.3% | 0.00% | vs |
| Bitterroot Community Federal Credit UnionCredit union Darby, MT | 64 out of 100, Moderate | $18.9M | 8.5% | 0.59% | vs |
| The Family First Federal Credit UnionCredit union Great Falls, MT | 63 out of 100, Moderate | $18.8M | 11.0% | 2.44% | vs |
Deposit insurance
Is my money safe at Seg Federal Credit Union?
Yes. Seg Federal Credit Union is a federally insured credit union (NCUA charter #7405). 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 4.8% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Seg Federal Credit Union lists 1 office in 1 city. Most locations:
- Laurel, MT (1)
Identity & history
Profile
- Legal name
- Seg Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7405
- RSSD ID
- 372480
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- Po Box 69, Laurel, MT 59044
- Employees
- 4
Quick answers
Seg Federal Credit Union: common questions
Is Seg Federal Credit Union NCUA insured?
Yes. Seg Federal Credit Union is a federally insured credit union (NCUA charter #7405). 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 Seg Federal Credit Union's TellerScore?
74 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 Seg Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Laurel
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rimrock Credit UnionCredit union Billings, MT | 93 out of 100, Very strong | $64.0M | 15.0% | 0.15% | vs |
| The Yellowstone BankBank Laurel, MT | 88 out of 100, Very strong | $1.3B | 12.3% | 0.01% | 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 |
| Valley Financial Credit UnionCredit union Billings, MT | 71 out of 100, Strong | $600.9M | 10.7% | 0.25% | vs |
| Intrepid Credit UnionCredit union Helena, MT | 71 out of 100, Strong | $310.8M | 11.1% | 0.44% | vs |