FROID
Federal • FROID, Montana • Est. 1940
Quick Facts
- Charter Number
- #3602
- Type
- Federal
- Established
- 1940
- Headquarters
- FROID, Montana 59226
- Address
- P.O. BOX 249
- Branches
- 1
- Members
- 165
- Membership Type
- Other/Unknown
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
165 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FROID |
|---|---|
| Total Assets | $1.2M |
| Members | 165 |
| Loans Outstanding | $879K |
| Shares & Deposits | $1.0M |
| Net Worth | $143K |
| Net Worth Ratio | 12.30% |
| Loan-to-Share Ratio | 86.0% |
| Delinquency Rate | 0.00% |
| Net Income | +$11,013 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Main Office
Main Office105 2nd Ave N
Froid, MT 59226
Who Can Join FROID?
Membership Type: Other/Unknown
Membership eligibility for FROID may vary. Contact the credit union directly to confirm qualification requirements.
Contact FROID directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Montana RankingsFrequently Asked Questions
Yes. FROID 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, FROID has 165 members and a potential membership field of 400 people.
FROID's net worth ratio is 12.30% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.3%, FROID meets this threshold.
FROID operates 1 branch location. The main office is located at 105 2nd Ave N, Froid, MT 59226.
FROID was established in 1940. It is a federal credit union chartered under charter number 3602. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FROID. All financial data is for informational purposes only.