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Overview / Commentary
2901 Grand Ave
Butte, MT 59701-5172

Butte Community Credit Union is headquartered in Butte and is the 34th largest credit union in the state of Montana. It is also the 3,754th largest credit union in the nation. It was established in 1970 and as of March of 2014, it had grown to 7 employees and 2,253 members. Butte Community Credit Union's savings rates are 25% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be a resident of Silver Bow County. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Butte Community Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Butte Community Credit Union had $107,000 in non-current loans and owned real-estate with $1.78 million in equity and loan loss allowances on hand to cover it. This gives Butte Community Credit Union a Texas Ratio of 6.02% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Butte Community Credit Union increased slightly from 0.18% as of March 31, 2013 to 6.02% as of March 31, 2014, resulting in a negative change of 3,280.00%. This indicates that the balance sheet and financial strength for Butte Community Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Butte Community Credit Union has increased its total deposits by $2.64 million, resulting in 20.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Butte Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Butte Community Credit Union has $17.15 million in assets with $1.78 million in equity, resulting in a capitalization level of 10.36%, which is above average.

Institution Statistics

NCUA #19896
Year Chartered1970
Primary Regulator
Assets and Liabilities
Assets$17.15 million
Loans$11.54 million
Deposits$15.30 million
Equity Capital$1.71 million
Loan Loss Allowance$64,000
Unbacked Noncurrent Loans$107,000
Real Estate Owned$0
Historic Data - March 2013
Assets$14.36 million
Equity Capital$1.64 million
Loan Loss Allowance$48,000
Unbacked Noncurrent Loans$107,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.14%
Return on Equity-1.4%
Interest Income$164,000
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Butte Community Credit Union Savings Account Rates

0.65%$30k-Roth IRA Savings
0.65%$30k-IRA Savings
0.50%--Christmas Club
0.50%--Coverdell Educational IRA
0.20%--Regular Savings
0.20%--Vacation Savings
0.20%--Insurance Savings
0.20%--Miscellaneous & Escrow Savings

Butte Community Credit Union CD Rates

0.35%$100k-12 Month Share Certificate
0.30%$100k-9 Month Share Certificate
0.25%$100k-6 Month Share Certificate

Butte Community Credit Union Locations
Branch Office2901 Grand AveButte, MT 59701-5172