credit union · NCUA 3602 · MT
How big is FROID?
FROID (MT, NCUA charter 3602) reported total assets of $1.3M, 165 members and a net worth ratio of 11.96% in its Call Report for 2026Q2. That ranks 4134 of 4,299 federally insured credit unions by assets, 606 of 771 among credit unions under $10m in assets, 40 of 41 credit unions in montana.
What stands out
FROID (MT, NCUA charter 3602) reported total assets of $1.3M, 165 members and a net worth ratio of 11.96% in its Call Report for 2026Q2. That ranks 4134 of 4,299 federally insured credit unions by assets, 606 of 771 among credit unions under $10m in assets, 40 of 41 credit unions in montana. Against its size class: net worth ratio 11.96%, below the peer median of 17.92%; loan-to-share ratio 72.43%, above the peer median of 58.16%; return on assets 1.58%, above the peer median of 0.45%. At 11.96% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.3M | $4.0M | $52.6M | $68.3M | record → |
| Shares and deposits | $1.1M | $3.1M | $45.2M | $58.3M | record → |
| Loans outstanding | $818.7k | $1.7M | $32.7M | $34.4M | record → |
| Net income (year to date) | $10.1k | $5.3k | $169.4k | $222.2k | record → |
| Net worth | $153.6k | $672.6k | $6.9M | $9.0M | record → |
| Net worth ratio | 11.96% | 17.92% | 11.96% | 12.65% | record → |
| Loan-to-share ratio | 72.43% | 58.16% | 71.19% | 68.70% | computed |
| Return on assets | 1.58% | 0.45% | 0.68% | 0.71% | computed |
| Members | 165 | 584 | 3,256 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $1.3M | $1.1M | $818.7k | $10.1k | 11.96% | 165 | 4134 |
| 2026Q1 | $1.2M | $1.1M | $861.9k | $3.2k | 11.76% | 165 | 4171 |
| 2025Q4 | $1.2M | $1.0M | $879.5k | $11.0k | 12.30% | 165 | 4213 |
| 2025Q3 | $1.1M | $997.8k | $874.8k | $8.2k | 13.20% | 165 | 4251 |
| 2025Q2 | $1.1M | $970.6k | $792.8k | $9.3k | 13.48% | 171 | 4291 |
| 2025Q1 | $1.0M | $902.7k | $790.7k | $4.1k | 13.92% | 172 | 4344 |
| 2024Q4 | $994.0k | $861.5k | $764.9k | $5.1k | 13.33% | 173 | 4394 |
| 2024Q3 | $1.1M | $899.0k | $793.1k | $8.9k | 14.81% | 174 | 4424 |
| 2024Q2 | $1.1M | $936.5k | $873.9k | $17.1k | 14.08% | 191 | 4453 |
| 2024Q1 | $1.1M | $995.6k | $806.1k | $12.8k | 12.97% | 192 | 4484 |
| 2023Q4 | $1.1M | $1.0M | $828.1k | $1.5k | 11.83% | 194 | 4517 |
| 2023Q3 | $1.2M | $1.1M | $613.2k | $6.6k | 11.63% | 190 | 4552 |
| 2023Q2 | $1.2M | $1.0M | $662.4k | $8.0k | 12.11% | 201 | 4591 |
| 2023Q1 | $1.2M | $1.1M | $688.8k | $8.5k | 11.67% | 201 | 4614 |
| 2022Q4 | $1.1M | $1.0M | $673.9k | $1.1k | 11.77% | 200 | 4668 |
| 2022Q3 | $1.1M | $973.8k | $624.1k | $13.2k | 13.26% | 202 | 4721 |
| 2022Q2 | $1.2M | $1.1M | $627.6k | $13.5k | 11.79% | 203 | 4739 |
| 2022Q1 | $1.3M | $1.2M | $649.9k | $11.9k | 11.05% | 202 | 4773 |
| 2021Q4 | $1.2M | $1.0M | $715.7k | $2.3k | 11.43% | 197 | 4834 |
| 2021Q3 | $1.1M | $989.7k | $685.4k | $20.5k | 13.31% | 196 | 4884 |
| 2021Q2 | $1.1M | $959.0k | $703.9k | $19.9k | 13.63% | 193 | 4922 |
| 2021Q1 | $1.1M | $939.4k | $762.2k | $16.6k | 13.60% | 200 | 4958 |
| 2020Q4 | $1.1M | $934.6k | $775.3k | $8.7k | 12.33% | 202 | 4982 |
| 2020Q3 | $989.2k | $840.7k | $717.6k | $25.5k | 14.98% | 201 | 5028 |
| 2020Q2 | $1.0M | $874.2k | $810.4k | $20.6k | 14.08% | 204 | 5047 |
| 2020Q1 | $1.1M | $923.3k | $725.5k | $19.2k | 13.48% | 204 | 5051 |
| 2019Q4 | $1.2M | $1.1M | $843.3k | $-5.8k | 10.15% | 216 | 5053 |
| 2019Q3 | $1.1M | $996.2k | $866.2k | $6.8k | 11.95% | 217 | 5110 |
| 2019Q2 | $1.2M | $1.0M | $810.6k | $19.9k | 12.81% | 218 | 5131 |
| 2019Q1 | $1.1M | $999.9k | $824.1k | $14.6k | 12.51% | 221 | 5158 |
| 2018Q4 | $1.1M | $1.0M | $782.0k | $2.0k | 11.28% | 222 | 5196 |
| 2018Q3 | $931.2k | $786.1k | $782.5k | $12.4k | 15.53% | 219 | 5305 |
| 2018Q2 | $910.0k | $767.8k | $643.5k | $9.7k | 15.60% | 214 | 5348 |
| 2018Q1 | $967.3k | $829.4k | $673.4k | $5.3k | 14.22% | 217 | 5381 |
| 2017Q4 | $969.4k | $842.9k | $741.8k | $760 | 13.04% | 226 | 5416 |
| 2017Q3 | $922.6k | $754.5k | $795.4k | $10.3k | 14.71% | 224 | 5494 |
| 2017Q2 | $908.4k | $777.2k | $746.5k | $5.4k | 14.40% | 227 | 5541 |
| 2017Q1 | $902.4k | $775.7k | $625.0k | $761 | 13.98% | 228 | 5583 |
| 2016Q4 | $886.4k | $761.5k | $587.1k | $2.7k | 14.08% | 233 | 5627 |
| 2016Q3 | $913.6k | $785.7k | $561.3k | $5.7k | 13.99% | 252 | 5673 |
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