TellerScore

Headquartered in Hamilton, Montana, Ravalli County Federal Credit Union is a federal credit union with $89.4M in total assets and $75.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1969.

Based on its Q2 2026 filing, Ravalli County Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 6th. Its strongest component is loan quality (99/100; 0.02%), and its lowest is funding & liquidity (85/100; 76% loans-to-deposits, 3% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.87%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity85/100
Loans ÷ shares: 75.6% · 3.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 92).

TellerScore
899193Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202489
Q3 202490
Q4 202489
Q1 202590
Q2 202591
Q3 202592
Q4 202593
Q1 202691
Q2 202692
Net worth ratio
7.00%10.43%13.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.83%
Q3 202412.86%
Q4 202412.59%
Q1 202512.85%
Q2 202513.55%
Q3 202513.48%
Q4 202513.65%
Q1 202613.47%
Q2 202613.87%
Delinquent loans (60+ days)
0.02%0.06%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.06%
Q4 20240.02%
Q1 20250.06%
Q2 20250.10%
Q3 20250.09%
Q4 20250.04%
Q1 20260.04%
Q2 20260.02%
Return on assets
1.80%2.11%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.34%
Q3 20242.41%
Q4 20241.99%
Q1 20252.03%
Q2 20252.14%
Q3 20252.15%
Q4 20252.09%
Q1 20261.82%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$89.4M13.87%0.02%1.80%75.6%
Q1 202691$89.1M13.47%0.04%1.82%75.0%
Q4 202593$84.9M13.65%0.04%2.09%79.1%
Q3 202592$82.7M13.48%0.09%2.15%79.7%
Q2 202591$78.7M13.55%0.10%2.14%84.8%
Q1 202590$79.5M12.85%0.06%2.03%81.1%
Q4 202489$77.9M12.59%0.02%1.99%80.0%
Q3 202490$74.8M12.86%0.06%2.41%83.0%
Q2 202489$70.9M12.83%0.03%2.34%89.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.87%
46th
Problem loans0.02%
86th
Net charge-offs0.31%
38th
Return on assets1.80%
91st
Loans to deposits75.6%
25th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio1.5%
58th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Daniels-Sheridan Federal Credit UnionCredit union Scobey, MT60 out of 100, Moderate$92.2M11.9%1.51%vs
Rimrock Credit UnionCredit union Billings, MT93 out of 100, Very strong$64.0M15.0%0.15%vs
Vocal Credit UnionCredit union Helena, MT82 out of 100, Strong$52.6M13.2%0.40%vs
Community 1st Federal Credit UnionCredit union Miles City, MT58 out of 100, Moderate$43.2M11.1%1.60%vs
Butte Community Federal Credit UnionCredit union Butte, MT57 out of 100, Moderate$37.7M7.8%0.41%vs
Badlands Federal Credit UnionCredit union Glendive, MT54 out of 100, Below average$37.6M8.1%1.45%vs

Deposit insurance

Is my money safe at Ravalli County Federal Credit Union?

Yes. Ravalli County Federal Credit Union is a federally insured credit union (NCUA charter #19732). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.3% of shares and deposits ($2.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ravalli County Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Ravalli County Federal Credit Union Visa Classic9.90%$0—1.0%

All Ravalli County Federal Credit Union card terms

Identity & history

Profile

Legal name
Ravalli County Federal Credit Union
Type
Federal credit union
NCUA charter #
19732
RSSD ID
857389
Primary regulator
NCUA
Established
1969
Headquarters
PO Box 598, Hamilton, MT 59840
Employees
17

Quick answers

Ravalli County Federal Credit Union: common questions

Is Ravalli County Federal Credit Union NCUA insured?

Yes. Ravalli County Federal Credit Union is a federally insured credit union (NCUA charter #19732). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ravalli County Federal Credit Union's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ravalli County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hamilton

InstitutionScoreAssetsCapitalProblem loansCompare
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Bitterroot Community Federal Credit UnionCredit union Darby, MT64 out of 100, Moderate$18.9M8.5%0.59%vs
Farmers State BankBank Victor, MT64 out of 100, Moderate$790.3M8.8%0.68%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs