Clearwater
Clearwater is a credit union based in Missoula, Montana, established in 1956, with $1.2 billion in total assets serving 67,211 members. By Trust Grade it ranks 12th of 41 credit unions we track in Montana. Its net worth ratio of 12.7% is stronger than 77% of similarly sized credit unions, versus a Montana median of 11.9%. It was profitable over the most recent period, with a 0.94% return on assets. No consumer complaints against Clearwater appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Clearwater compares to Montana peers
How we graded Clearwater
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.7% capital ratio)
- Profitable (ROA 0.94%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Clearwater over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Clearwater insured?
Yes. Clearwater is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Clearwater: frequently asked questions
Is Clearwater a good credit union?
Clearwater earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (12.7% capital ratio); Profitable (ROA 0.94%).
Is Clearwater NCUA-insured?
Yes. Clearwater is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Clearwater?
Clearwater holds $1.2 billion in total assets, ranking 12th of 41 credit unions we track in Montana. It serves 67,211 members.
Does Clearwater have CFPB complaints?
No CFPB complaints against Clearwater appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
