Montana Educators' Credit Union

Overview / Commentary

www.mtedcu.org

406-728-1034

2000 S Russell St
Missoula, MT 59801

Montana Educators' Credit Union is headquartered in Missoula and is the 32^nd largest credit union in the state of Montana. It is also the 3,260^th largest credit union in the nation. It was established in 1995 and as of March of 2021, it had grown to 5 employees and 1,423 members at 2 locations. Montana Educators' Credit Union has a B health rating.

Field of Membership Restrictions

Montana Educators' Credit Union is open to: (1) those who live in Missoula County; (2) active and retired school employees in Sanders, Mineral, and Granite counties; (3) family of current credit union members.
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Health

Data as of Q1 2021

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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. 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	0.22%
Return on Equity - YTD	2.73%
Annual Interest Income	$161.00K

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$24.9MM$18.3MM
Loans	Q1 2021vs Q1 2020	$11.8MM$10.1MM
Deposits	Q1 2021vs Q1 2020	$22.7MM$16.4MM
Equity Capital	Q1 2021vs Q1 2020	$1.9MM$1.8MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$68.00K$75.00K
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$0$1,000
Real Estate Owned	Q1 2021vs Q1 2020	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Montana Educators' Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.10% → $10k+
0.05%	$35	-	Medical Savings Account
0.02%	$5	-	Regular Shares

Montana Educators' Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $100k

Montana Educators' Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $10k+
0.01%	$1k	-	Share Draft Account

Montana Educators' Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$1k	-	2 Year Share Certificate
0.15%	$1k	-	1 Year Share Certificate
0.10%	$1k	-	6 Month Share Certificate

Locations

Montana Educators' Credit Union Locations
Branch Office	2000 S Russell St	Missoula, MT 59801-6658
Branch Office	1001 Chestnut Hills Pkwy	Fort Wayne, IN 46814

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