Richland Credit Union

Richland Credit Union is headquartered in Sidney and is the 18^st largest credit union in the state of Montana. It is also the 1,986^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 11 employees and 4,950 members. Richland Credit Union has a 5-star health rating.

Richland Credit Union Savings Account Rates

Richland Credit Union CD Rates

Data for Q4 2011

Institution Statistics RICHLAND NCUA # 3391 BankRate Report View Year Chartered 1939 Employees 11 Primary Regulator Assets and Liabilities Assets $60.59 million Loans $30.26 million Deposits $54.64 million Equity Capital $5.78 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $49,000 Historic Data - December 2010 Assets $49.28 million Equity Capital $4.99 million Loan Loss Allowance $194,000 Unbacked Noncurrent Loans $61,000 Profit Margin - Quarterly Net Interest Margin 5.03% Return on Assets 0.95% Return on Equity 10% Interest Income $1.72 million Non-Interest Income $232,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Richland Credit Union had $49,000 in non-current loans and owned real-estate with $5.96 million in equity and loan loss allowances on hand to cover it. This gives Richland Credit Union a Texas Ratio of 0.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Richland Credit Union decreased slightly from 1.18% as of December 31, 2010 to 0.82% as of December 31, 2011, resulting in a positive change of 30.12%.This indicates that the balance sheet and financial strength for Richland Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Richland Credit Union has increased its total deposits by $10.51 million, resulting in 23.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Richland Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Richland Credit Union has $60.59 million in assets with $5.96 million in equity, resulting in a capitalization level of 9.84%, which is average.

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