Federal credit union · Harlowton, Montana · NCUA charter #8097
TRICOUNTY
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.8M
- Total assets
- 228
- Members
- 9.6%
- Net-worth ratio
TRICOUNTY scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.8M; members 228; net-worth ratio 9.56%; health rank #2,466 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,466 of 4,374 health · 2025Q4TRICOUNTY · health 82/100 · $1.8M · 2025Q4
- ROA 82/100
- ASSETS 9.6%
- MEM 0.00%
- RANK 0.83%
- PHOTO $1.8M
- BOOK 228
- CHARTER #2,466/4,374
- NCUSIF n/a
- CAMELS 8097
Call Report peers
TRICOUNTY carries $1.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRICOUNTY 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
82 43rd percentile higher than 43% 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
TRICOUNTY - Share Insurance Coverage
Charter #8097's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
TRICOUNTY vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +7.67 pp (60.37% vs 52.70%).
- Net Worth Ratio trails the peer set - 9.56% here, 22.93% peer average (-13.37 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where TRICOUNTY sits in Montana
- Health composite ranks #33 of 41 among scored Montana credit unions.
- By total assets, TRICOUNTY is #39 of 41 in Montana.
- Membership ranks #39 of 41 among Montana CUs with a reported count (228 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.
How TRICOUNTY's 5300 filing moved
TRICOUNTY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.0% from $1.8M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted -0.98 pp (10.54% → 9.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 12.4 pts
Call Report ratios for TRICOUNTY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.56% | -13.37 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.83% | +0.61 pp |
| Member Growth | -4.60% | - |
| Loan-to-Share Ratio | 60.37% | +7.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
TRICOUNTY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.9M | - |
| 2025Q4 | $1.8M | 228 |
| 2024Q4 | $1.7M | 239 |
| 2023Q4 | $1.8M | 242 |
Credit Union Details
- Charter Number
- 8097
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Montana
- City
- Harlowton
- Data Quarter
- 2025Q4
Branch Location
TRICOUNTY operates a single office in Harlowton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Tri County FCU (Main Office) | Harlowton, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for TRICOUNTY - kept outside Montana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- TRICOUNTY ranks #2,466 of 4,374 nationally on financial health and #33 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FROID is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FROID
- 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 TRICOUNTY financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - TRICOUNTY'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 #2,466 of 4,374; by total assets it ranks #4,155 of 4,374 nationally (same basis as /rankings/largest); and #39 of 41 within Montana. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.56% net worth ratio and 0.00% delinquency rate are the key drivers.
How does TRICOUNTY compare to other credit unions?
On PlainCU's health composite, TRICOUNTY lands at 82/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 TRICOUNTY?
TRICOUNTY 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 TRICOUNTY directly for the exact boundaries and application steps.
Is my money safe at TRICOUNTY?
Federal credit unions like TRICOUNTY 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. TRICOUNTY's net worth ratio of 9.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRICOUNTY offer compared to banks?
Credit unions like TRICOUNTY 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 TRICOUNTY 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.