Richland Federal Credit Union

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 1,810th largest credit union in the nation. It was established in 1939 and as of September of 2020, it had grown to 13 employees and 4,797 members at 2 locations. Richland Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Richland Federal Credit Union is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Richland or Roosevelt counties in Montana or within 25 miles of Sidney, Montana.
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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 - YTD0.87%
Return on Equity - YTD5.82%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$92.1MM$88.2MM
LoansQ3 2020vs Q3 2019$39.1MM$41.3MM
DepositsQ3 2020vs Q3 2019$77.6MM$74.6MM
Equity CapitalQ3 2020vs Q3 2019$14.0MM$13.1MM
Loan Loss AllowanceQ3 2020vs Q3 2019$355.00K$274.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$406.00K$50.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$0
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Richland Federal Credit Union Savings Account Rates

0.75%--IRA Account
0.75%--ROTH IRA Conversion Share Account
0.75%--IRA Roth Account
0.75%--IRA Education Account
0.10%--Primary Share Account

Richland Federal Credit Union CD Rates

0.75%$500-18 Month CD
0.50%$2k-1 Year CD
0.40%$10k-6 Month CD
0.30%$7.5k-3 Month CD

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

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