Sep, 30, 2025 — BADLANDS FEDERAL CREDIT UNION is a federal credit union headquartered in GLENDIVE, MT with 1 branch location and about $38.62 million in total assets. Opened 85 years ago in 1941, BADLANDS FEDERAL CREDIT UNION has about 2,182 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | BADLANDS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 302 W Towne St GLENDIVE, MT 59330-1744 |
| Phone: | (406) 377-4442 |
| Fax: | (406) 377-6878 |
| Website: | https://www.badlandsfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,182 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4227 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Aug 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $38,622,866 |
| CEO/Manager: | Shiloh Smeltzer |
| Chairperson: | Dean Oellermann |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,882,537 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,860,706 |
| Unsecured Loans | 965,147 |
| Other Loans | 8,122,141 |
| TOTAL LOANS | 10,947,993 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -120,880 |
| Land And Building | 342,977 |
| Other Fixed Assets | 10,831 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 325,719 |
| All Other Assets | 0 |
| TOTAL ASSETS | 38,622,866 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 16,447 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 281,361 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,751,522 |
| Regular shares | 19,919,011 |
| All Other Shares & Deposits | 6,644,568 |
| TOTAL SHARES & DEPOSITS | 35,315,100 |
| TOTAL LIABILITIES | 35,612,908 |
| Regular Reserve | 0 |
| Other Reserves | 411,106 |
| Undivided Earnings | 2,598,852 |
| TOTAL EQUITY | 3,009,958 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 38,622,866 |
| INCOME & EXPENSE | |
| Loan Income | 552,706 |
| Investment Income | 548,354 |
| Other Income | 60,898 |
| Total Employee Compensation & Benefits | 338,673 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 522,628 |
| Non-operating Income & (Expense) | 6,231 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 44,493 |
| Cost of Funds | 296,086 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 54,587 |
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