Credit unions · Montana · Q2 2026
Intrepid CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $311M |
| Total loans & leases | $213M |
| Total shares & deposits | $269M |
| Members | 18,330 |
| Net worth | $34.4M |
| Net worth / assets | 11.06% |
| Loans / assets | 68.41% |
| Return on assets (annualized) | 0.68% |
| Loan growth (YoY) | −4.48% |
| Member growth (YoY) | −8.90% |
| Delinquency, all loans (60+ days) | 0.44% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
A January 2022 vendor announcement names Intrepid Credit Union of Helena and Bozeman, Montana, as having adopted Scienaptic's AI credit decisioning platform, which places AI inside its lending decision process. The Glia script on intrepidcu.org only shows the digital service platform is installed, with no statement that its AI assistant is in use.
- Intrepid Credit Union Chooses Scienaptic's AI-Powered Platform For Advanced Credit Decisioning | Scienaptic AI “Mont.-based Intrepid Credit Union has chosen its platform to boost its credit decisions”