CLEARWATER Credit Union Profile

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CLEARWATER

Charter #11300 | NCUA Region 3 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (406) 523-3300

Fax: (406) 523-3535

Founding Date: N/A

Website: http://www.clearwatercreditunion.or

Personnel & Operations

President: Boote, Anthony

Manager: Lawson, Jack

FT Employees: 194

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 20.6%

Membership Type: 66

Branches: 12

Hours: Lobby Mon - Thur 9:00a - 4:30p Fri 9:00a

Credit Union Profile Summary

CLEARWATER is a FCU Credit Union. With a total of 64,991 members ^[1], this institution manages approximately $1,107,572,557 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.46% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.28% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,107,572,557

Total economic resources.

Total Loans ^[1]

$808,382,802

Total value of outstanding loans.

Total Deposits ^[1]

$894,812,204

Total funds deposited by members.

Members ^[1]

64,991

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.46%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.89%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

90.34%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.45%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 8.28%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 4.97%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3600 Brooks St

Missoula, MT, 59801

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by CLEARWATER (Charter #11300).

Main Office

Clearwater - SS Main Office

Type: Corporate Office

Clearwater - SV

Type: Branch Office

107 Main St

Stevensville, MT 59870

Phone: (406) 523-3300

Services: Member Services, ATM, Drive-Thru

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