Federal credit union · Great Falls, Montana · NCUA charter #5387
Russell Country
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $130.1M
- Total assets
- 9,873
- Members
- 7.5%
- Net-worth ratio
Russell Country scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $130.1M; members 9,873; net-worth ratio 7.48%; health rank #2,361 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,361 of 4,374 health · 2025Q4Russell Country · health 83/100 · $130.1M · 2025Q4
- CAMELS 83/100
- HEALTH 7.5%
- NW 1.28%
- DELQ 0.32%
- ROA $130.1M
- ASSETS 9,873
- MEM #2,361/4,374
- RANK UFIRST
- PHOTO 5387
Call Report peers
Russell Country in the assets neighbourhood
Russell Country's $130.1M assets sit next to UFIRST ($130.1M) 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.
Russell Country 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
83 46th percentile higher than 46% 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
Russell Country - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5387, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Russell Country
- Largest favorable gap: Loan-to-Share Ratio at 89.82% vs peer 72.20% (+17.62 pp).
- Largest lag: Net Worth Ratio at 7.48% vs peer 12.11% (-4.63 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Russell Country in Montana
- Montana health ordinal: #31 of 41.
- Montana assets place: #14 of 41.
- Member book place in Montana: #13 of 41.
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 Russell Country
Russell Country: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $130.1M (2025Q4) to $132.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (7.57% → 7.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 23.7 pts
- Delinquency Rate 17.9 pts
- Return on Assets 12.3 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 15.5 pts
Russell Country vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.48% | -4.63 pp |
| Delinquency Rate | 1.28% | +0.39 pp |
| Return on Assets | 0.32% | -0.30 pp |
| Member Growth | 3.81% | - |
| Loan-to-Share Ratio | 89.82% | +17.62 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).
Russell Country quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.9M | - |
| 2025Q4 | $130.1M | 9,873 |
| 2024Q4 | $111.1M | 9,511 |
| 2023Q4 | $107.1M | 9,368 |
Credit Union Details
- Charter Number
- 5387
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Great Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Russell Country runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Russell Country FCU-Main (Main Office) | Great Falls, MT |
| Russell Country FCU - Fairfield | Fairfield, MT |
| Russell Country FCU-MANG | Great Falls, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
Cross-state Call Report peers for Russell Country
Two NCUA Call Report peer sets for Russell Country, both outside Montana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($130.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Russell Country ranks #2,361 of 4,374 nationally on financial health and #31 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GRASSLANDS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GRASSLANDS
- 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 Russell Country financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Russell Country's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,361 of 4,374; by total assets it ranks #1,601 of 4,374 nationally (same basis as /rankings/largest); and #14 of 41 within Montana. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.48% net worth ratio and 1.28% delinquency rate are the key drivers.
How does Russell Country compare to other credit unions?
83/100 is Russell Country's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Russell Country?
Russell Country 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 Russell Country directly for the exact boundaries and application steps.
Is my money safe at Russell Country?
Federal credit unions like Russell Country 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. Russell Country's net worth ratio of 7.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Russell Country offer compared to banks?
Credit unions like Russell Country 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 Russell Country 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.