TellerScore

Richland Federal Credit Union (NCUA charter #3391) is based in Sidney, Montana. Its Q2 2026 call report shows $118.9M in total assets and $101.1M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Richland Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 5th. Its strongest component is funding & liquidity (100/100; 43% loans-to-deposits, 7% uninsured), and its lowest is earnings (70/100; 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.92%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity100/100
Loans ÷ shares: 43.5% · 7.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.36%

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

From Q2 2025 to Q2 2026, the score rose 10 points (82 → 92), mostly because the loan quality component improved by 38 points.

TellerScore
637892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202463
Q1 202569
Q2 202582
Q3 202584
Q4 202589
Q1 202691
Q2 202692
Net worth ratio
7.00%11.27%15.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.29%
Q3 202415.53%
Q4 202414.90%
Q1 202514.64%
Q2 202515.15%
Q3 202515.22%
Q4 202515.09%
Q1 202614.75%
Q2 202614.92%
Delinquent loans (60+ days)
0.07%1.52%2.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.98%
Q3 20242.84%
Q4 20242.93%
Q1 20252.66%
Q2 20251.29%
Q3 20251.07%
Q4 20250.07%
Q1 20260.24%
Q2 20260.14%
Return on assets
0.63%0.96%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.91%
Q4 20240.63%
Q1 20251.28%
Q2 20251.20%
Q3 20251.18%
Q4 20250.68%
Q1 20261.24%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$118.9M14.92%0.14%1.24%43.5%
Q1 202691$117.7M14.75%0.24%1.24%40.2%
Q4 202589$113.1M15.09%0.07%0.68%45.4%
Q3 202584$113.6M15.22%1.07%1.18%48.2%
Q2 202582$111.9M15.15%1.29%1.20%47.7%
Q1 202569$113.8M14.64%2.66%1.28%46.0%
Q4 202463$109.9M14.90%2.93%0.63%48.1%
Q3 202466$105.7M15.53%2.84%0.91%52.5%
Q2 202465$105.8M15.29%2.98%0.92%52.6%

1,341 peers · $100 million – $1 billion

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 ratio14.92%
85th
Problem loans0.14%
93rd
Net charge-offs0.09%
86th
Return on assets1.24%
80th
Loans to deposits43.5%
94th
Uninsured deposits7.5%
35th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
96th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Fergus Federal Credit UnionCredit union Lewistown, MT87 out of 100, Very strong$117.5M14.1%0.56%vs
Russell Country Federal Credit UnionCredit union Great Falls, MT48 out of 100, Below average$131.1M7.6%1.12%vs
Grasslands Federal Credit UnionCredit union Circle, MT88 out of 100, Very strong$141.5M13.5%0.05%vs
Lincoln County Credit UnionCredit union Libby, MT98 out of 100, Very strong$186.6M21.6%0.22%vs
Sky Federal Credit UnionCredit union Livingston, MT53 out of 100, Below average$197.3M7.7%1.02%vs
Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT55 out of 100, Moderate$203.3M11.6%1.85%vs

Deposit insurance

Is my money safe at Richland Federal Credit Union?

Yes. Richland Federal Credit Union is a federally insured credit union (NCUA charter #3391). 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 7.5% of shares and deposits ($7.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Richland Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Culbertson, MT (1)
  • Sidney, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Richland Federal Credit Union
Type
Federal credit union
NCUA charter #
3391
RSSD ID
587471
Primary regulator
NCUA
Established
1939
Headquarters
201 W Holly St, Sidney, MT 59270
Employees
15

Quick answers

Richland Federal Credit Union: common questions

Is Richland Federal Credit Union NCUA insured?

Yes. Richland Federal Credit Union is a federally insured credit union (NCUA charter #3391). 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 Richland 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 Richland Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sidney

InstitutionScoreAssetsCapitalProblem loansCompare
The Yellowstone BankBank Laurel, MT88 out of 100, Very strong$1.3B12.3%0.01%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Merchants BankBank Rugby, ND65 out of 100, Moderate$254.3M10.6%1.25%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs