Federal credit union · Sidney, Montana · NCUA charter #3391
RICHLAND
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $113.1M
- Total assets
- 4,872
- Members
- 14.8%
- Net-worth ratio
RICHLAND scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $113.1M; members 4,872; net-worth ratio 14.75%; health rank #1,779 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,779 of 4,374 health · 2025Q4RICHLAND · health 86/100 · $113.1M · 2025Q4
Call Report peers
RICHLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RICHLAND vs every NCUA-scored credit union
RICHLAND sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
RICHLAND: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 14.75% vs peer 12.11% (+2.64 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.77 pp (45.43% vs 72.20%).
Montana standing for RICHLAND
- In Montana, health place is #22 of 41 on the same NCUA-ratio sort used nationally.
- Montana assets place: #17 of 41.
- Membership ranks #17 of 41 among Montana CUs with a reported count (4,872 members).
- One place up in Montana, RIMROCK (#21) ties at 86/100; one place down, Bitterroot Community (#23) ties at 86/100.
Quarter path for RICHLAND
RICHLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $113.1M (2025Q4) to $117.7M (2026Q1).
- Net-worth ratio shifted -0.34 pp (15.09% → 14.75%).
At 14.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
RICHLAND gives up 14 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 10.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.75% | +2.64 pp |
| Delinquency Rate | 0.07% | -0.83 pp |
| Return on Assets | 0.62% | -0.01 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 45.43% | -26.77 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
RICHLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $117.7M | - |
| 2025Q4 | $113.1M | 4,872 |
| 2024Q4 | $109.9M | 4,962 |
| 2023Q4 | $106.2M | 4,937 |
Credit Union Details
- Charter Number
- 3391
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Sidney
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for RICHLAND, spread across 2 cities.
| Office | City |
|---|---|
| Richland Federal Credit Union (Main Office) | Sidney, MT |
| Richland Federal Credit Union | Culbertson, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for RICHLAND
Using this data
- RICHLAND ranks #1,779 of 4,374 nationally on financial health and #22 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FERGUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FERGUS
Frequently Asked Questions
Is RICHLAND financially healthy?
RICHLAND has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,779 of 4,374 nationally on health and #22 of 41 in Montana. Its net worth ratio is 14.75% and its delinquency rate 0.07%.
How does RICHLAND compare to other credit unions?
RICHLAND scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.75% vs 12.11%). Its widest shortfall is loan-to-share ratio (45.43% vs 72.20%).
How can I join RICHLAND?
RICHLAND operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact RICHLAND directly for the exact boundaries and application steps.
Is my money safe at RICHLAND?
RICHLAND is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. RICHLAND's net worth ratio of 14.75% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.