B
Clearwater Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Clearwater Federal Credit Union
Missoula, MT
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Rating B
Asset Quality Index 9.60
Capitalization Index 7.80
Liquidity Index 2.40
Profitability Index 7.50
Stability Index 5.70
Company Info Clearwater Federal Credit Union
Missoula, MT
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NCUA Charter Number 2247
Phone Number (406) 523-3300
Website clearwatercreditunion.org
Asset Quality Clearwater Federal Credit Union
Missoula, MT
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1-Year Asset Growth 3.00%
5-Year Asset Growth 14.25%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.31%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.83%
Non-Performing Loans to Loans 0.12%
Balance Sheet Clearwater Federal Credit Union
Missoula, MT
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Total Assets 1.13B
Total Deposits 906.71M
Capital and Reserves Clearwater Federal Credit Union
Missoula, MT
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Capital 112.38M
Leverage Ratio 12.50
Loan Loss Reserves to Loans 1.46%
Liquidity Clearwater Federal Credit Union
Missoula, MT
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Hot Money Ratio 9.64%
Liquidity Ratio 12.28%
Profitability Clearwater Federal Credit Union
Missoula, MT
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5-Year Return on Average Assets 1.22%
Net Income 7.69M
Net Interest Spread 3.88%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 72.29%
Return on Assets 0.92%
Return on Equity 9.68%