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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 59 |
| Q1 2025 | 56 |
| Q2 2025 | 52 |
| Q3 2025 | 52 |
| Q4 2025 | 46 |
| Q1 2026 | 48 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.29% |
| Q3 2024 | 8.50% |
| Q4 2024 | 8.48% |
| Q1 2025 | 8.11% |
| Q2 2025 | 7.84% |
| Q3 2025 | 7.91% |
| Q4 2025 | 7.57% |
| Q1 2026 | 7.48% |
| Q2 2026 | 7.60% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $131.1M | 7.60% | 1.12% | 0.17% | 87.6% |
| Q1 2026 | 48 | $132.9M | 7.48% | 1.12% | 0.27% | 87.5% |
| Q4 2025 | 46 | $130.1M | 7.57% | 1.28% | 0.33% | 89.8% |
| Q3 2025 | 52 | $123.1M | 7.91% | 0.81% | 0.34% | 96.4% |
| Q2 2025 | 52 | $121.9M | 7.84% | 0.62% | 0.22% | 98.4% |
| Q1 2025 | 56 | $116.6M | 8.11% | 0.33% | 0.12% | 92.2% |
| Q4 2024 | 59 | $111.1M | 8.48% | 0.42% | 0.38% | 90.6% |
| Q3 2024 | 56 | $110.1M | 8.50% | 0.79% | 0.42% | 88.1% |
| Q2 2024 | 55 | $110.5M | 8.29% | 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).
Similar-size credit unions in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grasslands Federal Credit UnionCredit union Circle, MT | 88 out of 100, Very strong | $141.5M | 13.5% | 0.05% | vs |
| Richland Federal Credit UnionCredit union Sidney, MT | 92 out of 100, Very strong | $118.9M | 14.9% | 0.14% | vs |
| Fergus Federal Credit UnionCredit union Lewistown, MT | 87 out of 100, Very strong | $117.5M | 14.1% | 0.56% | vs |
| Lincoln County Credit UnionCredit union Libby, MT | 98 out of 100, Very strong | $186.6M | 21.6% | 0.22% | vs |
| Sky Federal Credit UnionCredit union Livingston, MT | 53 out of 100, Below average | $197.3M | 7.7% | 1.02% | vs |
| Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT | 55 out of 100, Moderate | $203.3M | 11.6% | 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.
2 locations
Branches
Russell Country Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Fairfield, MT (1)
- Great Falls, MT (1)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Davidson Trust Co.Bank Great Falls, MT | 94 out of 100, Very strong | $13.2M | 75.9% | 0.00% | vs |
| Independence BankBank Havre, MT | 84 out of 100, Strong | $1.4B | 13.4% | 0.46% | vs |
| 1st Liberty Federal Credit UnionCredit union Great Falls, MT | 84 out of 100, Strong | $214.2M | 14.4% | 0.28% | vs |
| Montana Federal Credit UnionCredit union Great Falls, MT | 79 out of 100, Strong | $361.5M | 12.5% | 0.26% | vs |
| Weld Community Credit UnionCredit union Greeley, CO | 78 out of 100, Strong | $109.6M | 11.3% | 0.16% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |