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Overview / Commentary
201 W Holly St
Sidney, MT 59270

Richland Federal Credit Union is headquartered in Sidney and is the 16th largest credit union in the state of Montana. It is also the 1,764th largest credit union in the nation. It was established in 1939 and as of December of 2016, it had grown to 13 employees and 4,941 members at 2 locations. Richland Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in, and businesses and other legal entities located in Richland and Roosevelt counties in Montana or within 25 miles of Sidney, MT.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Richland Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #3391
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD7.91%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$83.6MM$89.3MM
LoansQ4 2016vs Q4 2015$34.2MM$37.0MM
DepositsQ4 2016vs Q4 2015$72.6MM$79.2MM
Equity CapitalQ4 2016vs Q4 2015$10.3MM$9.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$285.00K$346.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$299.00K$256.00K
Real Estate OwnedQ4 2016vs Q4 2015$55.00K$0
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Richland Federal Credit Union Savings Account Rates

0.35%--IRA Account
0.35%--ROTH IRA Conversion Share Account
0.35%--IRA Roth Account
0.35%--IRA Education Account
0.10%--Primary Share Account

Richland Federal Credit Union CD Rates

0.40%$500-18 Month CD
0.30%$2k-1 Year CD
0.20%$10k-6 Month CD
0.15%$7,500-3 Month CD

Richland Federal Credit Union Locations
Branch Office201 W Holly StSidney, MT 59270-3626
Branch Office18 2nd eastCulbertson, MT 59218