Froid, Montana · Peer group 1
Froid Credit Union
Froid Credit Union holds $1.2M in assets across 165 members as of Q1 2026 — about $8K of assets per member, on a charter dating to 1940. Charter number 3602, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.2M |
|---|---|
| Total loans | $862K |
| Total shares (deposits) | $1.1M |
| Net worth | $147K |
| Members | 165 |
| Assets per member | $8K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 18.9% | |
|---|---|---|
| Loans | 9.0% | around the 83rd percentile of its peer group |
| Deposits | 21.9% | higher than 97% of its peer group |
| Members | -4.1% | around the 33rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 78.3% | around the 79th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.8% | around the 23rd percentile of its peer group |
| Return on assets | 1.02% | around the 68th percentile of its peer group |
| Delinquency ratio | 0.00% | around the 20th percentile of its peer group |
| Cash / assets | 26.4% | around the 44th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Froid Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Montana — the comparison set a peer ratio is measured against.
- Northern Montana Hospital Credit Union
Havre, MT
$1.0M · 188 members
- Tricounty Credit Union
Harlowton, MT
$1.9M · 227 members
- The Morning Star Credit Union
Lame Deer, MT
$2.5M · 2,430 members
- M D U Employees Credit Union
Glendive, MT
$4.1M · 486 members
- St. Pats Employees Credit Union
Missoula, MT
$5.5M · 649 members
- Deer Lodge County School Emp Credit Union
Anaconda, MT
$9.9M · 476 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Froid Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.