Montana Educators' Credit Union
Montana Educators' Credit Union
Overview / Commentary
Montana Educators' Credit Union is headquartered in Missoula and is the 27th largest credit union in the state of Montana. It is also the 2,843rd largest credit union in the nation. It was established in 1995 and as of March of 2025, it had grown to 5 employees and 1,738 members at 2 locations. Montana Educators' Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in Montana Educators' Credit Union is open to those who live in the Montana counties of Granite, Lake, Mineral, Missoula, Ravalli, or Sanders. Family members of current members are also eligible to join.
See current membership details
Health
B+
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. Montana Educators' Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68190 |
| Year Chartered | 1995 |
| Employees | 5 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.28% |
| Return on Equity - YTD | 14.2% |
| Annual Interest Income | $423K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $31.8MM$27.3MM |
| Loans | Q1 2025vs Q1 2024 | $21.9MM$22.2MM |
| Deposits | Q1 2025vs Q1 2024 | $28.7MM$24.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $2.8MM$2.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $69K$71K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $55K$94K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |