Overview / Commentary
High Peaks Federal Credit Union is headquartered in Dillon and is the 21st largest credit union in the state of Montana. It is also the 2,424th largest credit union in the nation. It was established in 1961 and as of March of 2025, it had grown to 10 employees and 3,879 members at 3 locations. High Peaks Federal Credit Union has a F health rating.
Field of Membership Restrictions
Membership in High Peaks Federal Credit Union is open to those who live, work, or worship in the Montana counties of Beaverhead, Jefferson (southern portion), and Madison. Eligibility also extends to immediate family.
See current membership details
Health
F
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. High Peaks Federal Credit Union has a relatively low asset base, and a negative return on assets.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 14668 |
| Year Chartered | 1961 |
| Employees | 10 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -15.19% |
| Return on Equity - YTD | -1174.25% |
| Annual Interest Income | $711K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $51.2MM$44.1MM |
| Loans | Q1 2025vs Q1 2024 | $30.8MM$32.9MM |
| Deposits | Q1 2025vs Q1 2024 | $50.2MM$41.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $668K$2.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.2MM$65K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.1MM$623K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |