Richland Federal Credit Union

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SPONSORED LISTINGS

11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

1.45% APY

Online Savings

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online savings accounts that
routinely beat the competition

1.20% APY

Overview / Commentary

richlandfcu.com

406-482-2704

201 W Holly St
Sidney, MT 59270

Richland Federal Credit Union is headquartered in Sidney and is the 17^th largest credit union in the state of Montana. It is also the 1,784^th largest credit union in the nation. It was established in 1939 and as of June of 2017, it had grown to 13 employees and 4,933 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.
See current membership details

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Health

B+

Data as of Q2 2017

Learn why bank health matters

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

Overall
NCUA #	3391
Year Chartered	1939
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	1.01%
Return on Equity - YTD	7.9%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$83.9MM$83.4MM
Loans	Q2 2017vs Q2 2016	$35.2MM$37.2MM
Deposits	Q2 2017vs Q2 2016	$72.9MM$72.9MM
Equity Capital	Q2 2017vs Q2 2016	$10.7MM$9.9MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$236.00K$303.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$759.00K$267.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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Richland Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%	-	-	IRA Account
0.45%	-	-	ROTH IRA Conversion Share Account
0.45%	-	-	IRA Roth Account
0.45%	-	-	IRA Education Account
0.15%	-	-	Primary Share Account

Richland Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$500	-	18 Month CD
0.50%	$2k	-	1 Year CD
0.35%	$10k	-	6 Month CD
0.25%	$7,500	-	3 Month CD

Locations

Richland Federal Credit Union Locations
Branch Office	201 W Holly St	Sidney, MT 59270-3626
Branch Office	18 2nd east	Culbertson, MT 59218