Sep, 30, 2025 — THE MORNING STAR FEDERAL CREDIT UNION is a federal credit union headquartered in LAME DEER, MT with 1 branch location and about $2.40 million in total assets. Opened 4 years ago in 2022, THE MORNING STAR FEDERAL CREDIT UNION has about 2,235 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | THE MORNING STAR FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 509 Cheyenne Avenue South LAME DEER, MT 59043 |
| Phone: | (406) 477-8411 |
| Fax: | |
| Website: | https://www.tmsfcu.com/ |
| Branches: | 1 branch locations |
| Members: | 2,235 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24943 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 2022 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $2,396,018 |
| CEO/Manager: | Shelby V Birdinground |
| Chairperson: | June Beartusk |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,080,514 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 317,563 |
| Other Loans | 69,424 |
| TOTAL LOANS | 386,988 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -107,341 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 15,814 |
| All Other Assets | 0 |
| TOTAL ASSETS | 2,396,018 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 356,823 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 871,309 |
| Regular shares | 837,915 |
| All Other Shares & Deposits | 126,344 |
| TOTAL SHARES & DEPOSITS | 1,835,570 |
| TOTAL LIABILITIES | 2,192,393 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 203,625 |
| TOTAL EQUITY | 203,625 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,396,018 |
| INCOME & EXPENSE | |
| Loan Income | 39,421 |
| Investment Income | 30,303 |
| Other Income | 20,981 |
| Total Employee Compensation & Benefits | 159,477 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 198,597 |
| Non-operating Income & (Expense) | 256,668 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 99,030 |
| Cost of Funds | 471 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -64,543 |
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