Credit union · NCUA insured
Bitterroot Community Federal Credit Union
A $18.6M credit union headquartered in Darby, MT, with 2,168 members and 1 branch in Montana. Best rates: savings 0.05% APY.
Bitterroot Community Federal Credit Union Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#37 of 47 in MontanaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bitterroot Community Federal Credit Union
Bitterroot Community Federal Credit Union was chartered in 1968 as Darby's first financial institution in Darby, Montana.
The member-owned credit union operates branch locations in Darby and Hamilton.
- Headquarters
- PO Box 467, 218 S Main St, Darby, MT 59829
- NCUA charter
- 18964
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives (full or part-time), works, or worships in Ravalli County, Montana is eligible for membership.
Family and household
- Family members are eligible for membership.
Branches
1 branch in Montana
Loading map…
Montana
1 branch
- Main OfficeMain officePO Box 467, 218 S Main St, Darby, MT 59829Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.53% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $47 | $59 | — |
- CapitalNet worth ratio8.53%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$47Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bitterroot Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.