CLEARWATER
Federal • Missoula, Montana • Est. 1956
Quick Facts
- Charter Number
- #11300
- Type
- Federal
- Established
- 1956
- Headquarters
- Missoula, Montana 59801
- Address
- 3600 Brooks St
- Branches
- 11
- ATMs
- 9
- Members
- 66,586
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
66,586 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CLEARWATER |
|---|---|
| Total Assets | $1.1B |
| Members | 66,586 |
| Loans Outstanding | $838.8M |
| Shares & Deposits | $921.8M |
| Net Worth | $142.9M |
| Net Worth Ratio | 12.50% |
| Loan-to-Share Ratio | 91.0% |
| Delinquency Rate | 0.82% |
| Net Income | +$13,660,753 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 9 ATMs
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 59812-0001
Clearwater - RUS
1775 S Russell St
Missoula, MT 59801
Clearwater - SS
Main Office3600 Brooks St
Missoula, MT 59801
Who Can Join CLEARWATER?
Membership Type: Community
Membership eligibility for CLEARWATER may vary. Contact the credit union directly to confirm qualification requirements.
Contact CLEARWATER directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Montana
Browse all federally insured credit unions in Montana, ranked by assets, members, and financial health score.
View Montana RankingsFrequently Asked Questions
Yes. CLEARWATER is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CLEARWATER has 66,586 members and a potential membership field of 987,245 people.
CLEARWATER's net worth ratio is 12.50% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.5%, CLEARWATER meets this threshold.
CLEARWATER operates 11 branch locations and has access to 9 ATMs. The main office is located at 3600 Brooks St, Missoula, MT 59801.
CLEARWATER was established in 1956. It is a federal credit union chartered under charter number 11300. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CLEARWATER. All financial data is for informational purposes only.