TellerScore

Headquartered in Anaconda, Montana, Southwest Montana Community Federal Credit Union is a federal credit union with $203.3M in total assets and $182.7M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1941.

Southwest Montana Community Federal Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 12% of its 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 35th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 5% uninsured); earnings contributes the least (15/100, -0.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.63%
Loan quality38/100
Loans 60+ days delinquent ÷ total loans: 1.85%
Earnings15/100
Return on assets (annualized): -0.13%
Funding & liquidity98/100
Loans ÷ shares: 62.2% · 4.7% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.87%

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 (60 → 55), mostly because the loan quality component weakened by 38 points.

TellerScore
557085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202481
Q4 202485
Q1 202585
Q2 202560
Q3 202562
Q4 202563
Q1 202668
Q2 202655
Net worth ratio
7.00%10.00%13.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.44%
Q3 202412.80%
Q4 202413.00%
Q1 202512.86%
Q2 202510.72%
Q3 202510.97%
Q4 202511.35%
Q1 202611.79%
Q2 202611.63%
Delinquent loans (60+ days)
0.23%1.04%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.61%
Q4 20240.28%
Q1 20250.31%
Q2 20250.73%
Q3 20251.08%
Q4 20251.41%
Q1 20261.37%
Q2 20261.85%
Return on assets
-0.72%0.25%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.07%
Q3 20241.17%
Q4 20241.16%
Q1 20251.21%
Q2 2025-0.72%
Q3 20250.03%
Q4 20250.45%
Q1 20260.85%
Q2 2026-0.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$203.3M11.63%1.85%-0.13%62.2%
Q1 202668$202.6M11.79%1.37%0.85%63.4%
Q4 202563$206.7M11.35%1.41%0.45%63.3%
Q3 202562$205.7M10.97%1.08%0.03%64.1%
Q2 202560$203.4M10.72%0.73%-0.72%62.5%
Q1 202585$155.2M12.86%0.31%1.21%57.8%
Q4 202485$149.9M13.00%0.28%1.16%56.9%
Q3 202481$148.8M12.80%0.61%1.17%57.2%
Q2 202483$149.1M12.44%0.23%1.07%54.8%

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).

Capital ratio11.63%
53rd
Problem loans1.85%
8th
Net charge-offs0.96%
11th
Return on assets-0.13%
4th
Loans to deposits62.2%
75th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio8.9%
16th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Sky Federal Credit UnionCredit union Livingston, MT53 out of 100, Below average$197.3M7.7%1.02%vs
1st Liberty Federal Credit UnionCredit union Great Falls, MT84 out of 100, Strong$214.2M14.4%0.28%vs
Billings Federal Credit UnionCredit union Billings, MT64 out of 100, Moderate$216.1M11.7%0.77%vs
Lincoln County Credit UnionCredit union Libby, MT98 out of 100, Very strong$186.6M21.6%0.22%vs
Grasslands Federal Credit UnionCredit union Circle, MT88 out of 100, Very strong$141.5M13.5%0.05%vs
Russell Country Federal Credit UnionCredit union Great Falls, MT48 out of 100, Below average$131.1M7.6%1.12%vs

Deposit insurance

Is my money safe at Southwest Montana Community Federal Credit Union?

Yes. Southwest Montana Community Federal Credit Union is a federally insured credit union (NCUA charter #4401). 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 4.7% of shares and deposits ($8.6M) 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 11.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Southwest Montana Community Federal Credit Union lists 5 offices in 5 cities. Most locations:

  • Anaconda, MT (1)
  • Butte, MT (1)
  • Dillon, MT (1)
  • Sheridan, MT (1)
  • Whitehall, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Southwest Montana Community Federal Credit Union
Type
Federal credit union
NCUA charter #
4401
RSSD ID
74177
Primary regulator
NCUA
Established
1941
Headquarters
1035 West Park, Anaconda, MT 59711
Employees
45

Quick answers

Southwest Montana Community Federal Credit Union: common questions

Is Southwest Montana Community Federal Credit Union NCUA insured?

Yes. Southwest Montana Community Federal Credit Union is a federally insured credit union (NCUA charter #4401). 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 Southwest Montana Community Federal Credit Union's TellerScore?

55 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 Southwest Montana Community Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Anaconda

InstitutionScoreAssetsCapitalProblem loansCompare
Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT95 out of 100, Very strong$9.7M13.7%0.00%vs
First Montana Bank, Inc.Bank Missoula, MT73 out of 100, Strong$530.3M10.2%0.13%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Citizens Alliance BankBank Clara City, MN47 out of 100, Below average$1.4B9.8%1.48%vs