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
- HEALTH 86/100
- NW 14.8%
- DELQ 0.07%
- ROA 0.62%
- ASSETS $113.1M
- MEM 4,872
- RANK #1,779/4,374
- PHOTO Marquette Community
- BOOK 3391
Call Report peers
RICHLAND in the assets neighbourhood
RICHLAND's $113.1M assets sit next to Marquette Community ($113.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
RICHLAND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3391: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for RICHLAND
RICHLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $113.1M (2025Q4) to $117.7M (2026Q1).
- Net-worth ratio shifted -0.34 pp (15.09% → 14.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
RICHLAND's nationwide photo peers by assets and by health score, excluding Montana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($113.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is RICHLAND financially healthy?
RICHLAND scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,779 of 4,374; by total assets it ranks #1,724 of 4,374 nationally (same basis as /rankings/largest); and #17 of 41 within Montana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.75% net worth ratio and a 0.07% delinquency rate.
How does RICHLAND compare to other credit unions?
RICHLAND scores 86/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like RICHLAND are 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."
What rates does RICHLAND offer compared to banks?
Credit unions like RICHLAND are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact RICHLAND directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.