TellerScore

Russell Country Federal Credit Union (NCUA charter #5387) is based in Great Falls, Montana. Its Q2 2026 call report shows $131.1M in total assets and $120.7M in member shares and deposits and 2 offices.

Russell Country Federal Credit Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 40th. Problem-loan coverage contributes the most (76/100, 11.9%); capital cushion contributes the least (26/100, 7.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion26/100
Net worth ratio: 7.60%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.12%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity73/100
Loans ÷ shares: 87.6% · 5.2% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.91%

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 fell 4 points (52 → 48), mostly because the loan quality component weakened by 16 points.

TellerScore
465359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202456
Q4 202459
Q1 202556
Q2 202552
Q3 202552
Q4 202546
Q1 202648
Q2 202648
Net worth ratio
7.00%7.75%8.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.29%
Q3 20248.50%
Q4 20248.48%
Q1 20258.11%
Q2 20257.84%
Q3 20257.91%
Q4 20257.57%
Q1 20267.48%
Q2 20267.60%
Delinquent loans (60+ days)
0.33%0.80%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.76%
Q3 20240.79%
Q4 20240.42%
Q1 20250.33%
Q2 20250.62%
Q3 20250.81%
Q4 20251.28%
Q1 20261.12%
Q2 20261.12%
Return on assets
0.12%0.27%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.42%
Q4 20240.38%
Q1 20250.12%
Q2 20250.22%
Q3 20250.34%
Q4 20250.33%
Q1 20260.27%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$131.1M7.60%1.12%0.17%87.6%
Q1 202648$132.9M7.48%1.12%0.27%87.5%
Q4 202546$130.1M7.57%1.28%0.33%89.8%
Q3 202552$123.1M7.91%0.81%0.34%96.4%
Q2 202552$121.9M7.84%0.62%0.22%98.4%
Q1 202556$116.6M8.11%0.33%0.12%92.2%
Q4 202459$111.1M8.48%0.42%0.38%90.6%
Q3 202456$110.1M8.50%0.79%0.42%88.1%
Q2 202455$110.5M8.29%0.76%0.28%85.0%

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 ratio7.60%
2nd
Problem loans1.12%
25th
Net charge-offs0.15%
77th
Return on assets0.17%
10th
Loans to deposits87.6%
22nd
Uninsured deposits5.2%
58th
Loan-loss reserves0.00%
50th
Texas ratio11.9%
9th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Grasslands Federal Credit UnionCredit union Circle, MT88 out of 100, Very strong$141.5M13.5%0.05%vs
Richland Federal Credit UnionCredit union Sidney, MT92 out of 100, Very strong$118.9M14.9%0.14%vs
Fergus Federal Credit UnionCredit union Lewistown, MT87 out of 100, Very strong$117.5M14.1%0.56%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 Russell Country Federal Credit Union?

Yes. Russell Country Federal Credit Union is a federally insured credit union (NCUA charter #5387). 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 5.2% of shares and deposits ($6.2M) 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 7.60%, slightly 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Russell Country Federal Credit Union reported 82 home-loan applications under HMDA (LEI 549300ZBJ7X2KWFZ7A33): 57 originated ($7,855,000 total), 10 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Russell Country Federal Credit Union
Type
Federal credit union
NCUA charter #
5387
RSSD ID
737874
Primary regulator
NCUA
Established
1946
Headquarters
PO Box 2605, Great Falls, MT 59403
Employees
39

Quick answers

Russell Country Federal Credit Union: common questions

Is Russell Country Federal Credit Union NCUA insured?

Yes. Russell Country Federal Credit Union is a federally insured credit union (NCUA charter #5387). 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 Russell Country Federal Credit Union's TellerScore?

48 out of 100 (Below average), 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 Russell Country Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Great Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Davidson Trust Co.Bank Great Falls, MT94 out of 100, Very strong$13.2M75.9%0.00%vs
Independence BankBank Havre, MT84 out of 100, Strong$1.4B13.4%0.46%vs
1st Liberty Federal Credit UnionCredit union Great Falls, MT84 out of 100, Strong$214.2M14.4%0.28%vs
Montana Federal Credit UnionCredit union Great Falls, MT79 out of 100, Strong$361.5M12.5%0.26%vs
Weld Community Credit UnionCredit union Greeley, CO78 out of 100, Strong$109.6M11.3%0.16%vs
Clearwater Federal Credit UnionCredit union Missoula, MT76 out of 100, Strong$1.2B12.8%0.67%vs