High Peaks Federal Credit Union

Overview / Commentary
222 S Pacific St
Dillon, MT 59725

High Peaks Federal Credit Union is headquartered in Dillon and is the 23rd largest credit union in the state of Montana. It is also the 2,689th largest credit union in the nation. It was established in 1961 and as of December of 2022, it had grown to 10 employees and 3,767 members at 3 locations. High Peaks Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership in High Peaks Federal Credit Union is open to those who live, work, or worship in Madison County, Beaverhead County or the southern part of Jefferson County, Montana. Eligibility also extends to immediate family.
See current membership details


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Additional 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 low asset base.

Health Grade Components

NCUA #14668
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD21.3%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$40.9MM$38.3MM
LoansQ4 2022vs Q4 2021$31.2MM$26.5MM
DepositsQ4 2022vs Q4 2021$38.3MM$35.9MM
Equity CapitalQ4 2022vs Q4 2021$2.3MM$2.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021($58,000)$25.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$982.00K$404.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0

Rates for High Peaks Federal Credit Union are currently being reviewed.


High Peaks Federal Credit Union Locations
Branch Office9 N Main StWhitehall, MT 59759-7711
Branch Office222 S Pacific sTDillon, MT 59725-2755
Branch Office103 S Main StSheridan, MT 59749

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