Charter 11300 · Missoula, MT
Clearwater Federal Credit Union
Clearwater Federal Credit Union is a federally chartered credit union in Missoula, Montana, with $1.17 billion in assets and 67,843 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.83%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Clearwater Credit Union.
- Total assets
- $1.17 billion
- +5.2% in a year
- Members
- 67,843
- +4.4% in a year
- Net worth ratio
- 12.83%
- Peer median 10.79%
- Loans 60+ days late
- 0.67%
- Peer median 0.67%
- Loans outstanding
- $843 million
- +4.3% in a year
- Shares and deposits
- $945 million
- +5.6% in a year
- Branches
- 12
- 202 employees
- Opened
- 1956
- Federal charter
How Clearwater Federal Credit Union compares
NCUA groups credit unions by size; Clearwater Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.83% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.67%, is about the same as the group median of 0.67%. Loans grew 4.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 2 of 41 credit unions headquartered in Montana. See all Montana credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.17 billion | 67,843 | $843 million | 12.83% | 0.67% |
| Q1 2026 | $1.15 billion | 67,211 | $849 million | 12.65% | 0.46% |
| Q4 2025 | $1.14 billion | 66,586 | $839 million | 12.50% | 0.82% |
| Q3 2025 | $1.13 billion | 65,939 | $835 million | 12.50% | 0.12% |
| Q2 2025 | $1.11 billion | 64,991 | $808 million | 12.46% | 0.15% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 987,245 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 11 sites for Clearwater Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Clearwater - RS
2610 N Reserve St, Missoula, MT 59808 - Clearwater - DT
126 W Spruce St, Missoula, MT 59802 - Clearwater - UM
First Level University Ctr, Missoula, MT 59812 - Clearwater - RUS
1775 S Russell St, Missoula, MT 59801 - Clearwater - SS (main office)
3600 Brooks St, Missoula, MT 59801 - Clearwater - SV
107 Main St, Stevensville, MT 59870 - Clearwater - SS Retail
2237 34Th St, Missoula, MT 59801 - Clearwater - Butte Main
200 N Main St, Butte, MT 59701 - Clearwater - Bozeman Downtown
5 W Mendenhall St, Bozeman, MT 59715 - Clearwater - Great Falls 5th Ave
111 5Th St N, Great Falls, MT 59401 - Clearwater - Helena Airport Rd
2711 Airport Rd Ste F, Helena, MT 59601
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology