REGULATING AGENCY: Montana Department of Administration; Division of Banking & Financial Institutions

Montana State Capitol

  • Melanie Hall, Commissioner
  • Rick Christianson, Credit Union Bureau Chief
  • Website:

LEAGUE: Montana Credit Union Network

  • Tracie Kenyon, President/CEO
  • Website:


2022 STATS 
  • Largest SCU: WHITEFISH CU $2.1B in assets
  • Largest FCU: CLEARWATER FCU $920M in assets
Second Quarter 2022 SCUs FCUs Total CUs % of SCUs/Total
Total Credit Unions 10 36 46 22%
Credit Union Members 194,718 232,967 427,685 46%
Credit Union Assets $4B $3.5B  $7.6B 53%


The only state in the US with a Triple Divide, which allows waters to flow to Hudson Bay, the Atlantic Ocean, and the Pacific Ocean.

Montana’s Clearwater Embraces Its CDFI Status

This video is courtesy of

Sept. 2022 — Leaders of the Montana cooperative discuss the importance of the credit union’s certification as a community development financial institution and how that status dovetails with the institution’s broader mission.

We hope you enjoyed this bonus content from Callahan’s “Anatomy Of A Credit Union” series, a quarterly profile that explores the strategies and analyzes the performance of an exemplary credit union. Check out the full feature “Anatomy Of Clearwater Credit Union” on


Click here to take a look at the stories that have been collected over the years in Montana.

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