Charter 4164 · Great Falls, MT
Montana Federal Credit Union
Montana Federal Credit Union is a federally chartered credit union in Great Falls, Montana, with $362 million in assets and 26,379 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.53%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $362 million
- +3.8% in a year
- Members
- 26,379
- +2.8% in a year
- Net worth ratio
- 12.53%
- Peer median 11.65%
- Loans 60+ days late
- 0.26%
- Peer median 0.70%
- Loans outstanding
- $248 million
- +3.9% in a year
- Shares and deposits
- $317 million
- +2.7% in a year
- Branches
- 4
- 73 employees
- Opened
- 1940
- Federal charter
How Montana Federal Credit Union compares
NCUA groups credit unions by size; Montana Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.53% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.26%, is lower than the group median of 0.70%. Loans grew 3.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 7 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 | $362 million | 26,379 | $248 million | 12.53% | 0.26% |
| Q1 2026 | $359 million | 26,193 | $245 million | 12.35% | 0.28% |
| Q4 2025 | $352 million | 26,100 | $247 million | 12.36% | 0.52% |
| Q3 2025 | $344 million | 25,833 | $242 million | 12.32% | 0.32% |
| Q2 2025 | $348 million | 25,652 | $239 million | 11.84% | 0.30% |
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 1.0 million 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 4 sites for Montana 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.
- 14th Street Office (main office)
15 14Th St S, Great Falls, MT 59401 - 9th Street Office
901 8Th Ave S, Great Falls, MT 59405 - North Office
540 Smelter Ave Ne, Great Falls, MT 59404 - 10th Avenue Office
2828 10Th Ave S, Great Falls, MT 59405
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