Sep, 30, 2025 — ROCKY MOUNTAIN CREDIT UNION is a non-federally insured state credit union headquartered in HELENA, MT with 6 branch locations and about $412.06 million in total assets. Opened 86 years ago in 1940, ROCKY MOUNTAIN CREDIT UNION has about 24,460 members and employs 94 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ROCKY MOUNTAIN CREDIT UNION |
|---|---|
| Address: (Main Office) | 3400 N Montana Ave HELENA, MT 59602 |
| Phone: | (406) 449-2680 |
| Fax: | (406) 447-1110 |
| Website: | https://www.rmcu.net |
| Branches: | 6 branch locations |
| Members: | 24,460 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 97110 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $412,060,267 |
| CEO/Manager: | Cyrus Malkin |
| Chairperson: | Kristin Bouchard |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 39,041,025 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 1,535,000 |
| Real Estate Loans | 132,176,455 |
| Unsecured Loans | 13,233,849 |
| Other Loans | 113,504,129 |
| TOTAL LOANS | 258,914,433 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,596,666 |
| Land And Building | 14,734,487 |
| Other Fixed Assets | 1,046,376 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 54,505 |
| TOTAL ASSETS | 412,060,267 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 20,000,000 |
| Accounts Payable & Other Liabilities | 4,181,789 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 85,825,520 |
| Regular shares | 63,552,308 |
| All Other Shares & Deposits | 202,445,876 |
| TOTAL SHARES & DEPOSITS | 351,823,705 |
| TOTAL LIABILITIES | 376,005,494 |
| Regular Reserve | 0 |
| Other Reserves | 2,638,403 |
| Undivided Earnings | 33,416,370 |
| TOTAL EQUITY | 36,054,773 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 412,060,267 |
| INCOME & EXPENSE | |
| Loan Income | 11,396,342 |
| Investment Income | 3,779,428 |
| Other Income | 1,366,672 |
| Total Employee Compensation & Benefits | 6,468,311 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,401,887 |
| Non-operating Income & (Expense) | 1,163,243 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 876,000 |
| Cost of Funds | 4,583,764 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,602,055 |
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