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Overview / Commentary
406-482-2704
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 1,771st largest credit union in the nation. It was established in 1939 and as of September of 2016, it had grown to 13 employees and 4,954 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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Health
B+
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 Chartered1939
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD8.82%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$83.0MM$86.8MM
LoansQ3 2016vs Q3 2015$37.6MM$39.8MM
DepositsQ3 2016vs Q3 2015$72.2MM$76.8MM
Equity CapitalQ3 2016vs Q3 2015$10.1MM$9.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$281.00K$214.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$263.00K$304.00K
Real Estate OwnedQ3 2016vs Q3 2015$65.00K$0
Rates
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Richland Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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