Tricounty Federal Credit Union is a federal credit union headquartered in Harlowton, Montana, in business for about 74 years. At the end of Q2 2026 it reported $1.7M in total assets and $1.6M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Tricounty Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 28th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (0/100; -0.91%).
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 6 points (72 → 66), mostly because the earnings component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 77 |
| Q4 2024 | 79 |
| Q1 2025 | 72 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 69 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.44% |
| Q3 2024 | 10.60% |
| Q4 2024 | 10.89% |
| Q1 2025 | 10.73% |
| Q2 2025 | 11.02% |
| Q3 2025 | 11.13% |
| Q4 2025 | 10.54% |
| Q1 2026 | 9.56% |
| Q2 2026 | 10.17% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.09% |
| Q2 2025 | -0.03% |
| Q3 2025 | -0.07% |
| Q4 2025 | -0.25% |
| Q1 2026 | -1.16% |
| Q2 2026 | -0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.7M | 10.17% | 0.00% | -0.91% | 54.4% |
| Q1 2026 | 64 | $1.9M | 9.56% | 0.00% | -1.16% | 53.0% |
| Q4 2025 | 69 | $1.8M | 10.54% | 0.00% | -0.25% | 60.4% |
| Q3 2025 | 72 | $1.7M | 11.13% | 0.00% | -0.07% | 60.4% |
| Q2 2025 | 72 | $1.7M | 11.02% | 0.00% | -0.03% | 58.5% |
| Q1 2025 | 72 | $1.8M | 10.73% | 0.00% | 0.09% | 58.6% |
| Q4 2024 | 79 | $1.7M | 10.89% | 0.00% | 0.84% | 54.4% |
| Q3 2024 | 77 | $1.7M | 10.60% | 0.00% | 0.81% | 52.1% |
| Q2 2024 | 74 | $1.8M | 10.44% | 0.48% | 0.97% | 52.2% |
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).
Similar-size credit unions in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Froid Federal Credit UnionCredit union Froid, MT | 86 out of 100, Very strong | $1.3M | 12.0% | 0.00% | vs |
| The Morning Star Federal Credit UnionCredit union Lame Deer, MT | 47 out of 100, Below average | $2.2M | 9.9% | 5.89% | vs |
| Northern Montana Hospital Federal Credit UnionCredit union Havre, MT | 73 out of 100, Strong | $982K | 11.7% | 0.00% | vs |
| M D U Employees Federal Credit UnionCredit union Glendive, MT | 84 out of 100, Strong | $4.0M | 17.2% | 0.00% | vs |
| St. Pats Employees Federal Credit UnionCredit union Missoula, MT | 77 out of 100, Strong | $5.4M | 12.8% | 1.00% | vs |
| Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT | 95 out of 100, Very strong | $9.7M | 13.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Tricounty Federal Credit Union?
Yes. Tricounty Federal Credit Union is a federally insured credit union (NCUA charter #8097). 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 0.0% of shares and deposits ($0) 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 10.17%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Tricounty Federal Credit Union lists 1 office in 1 city. Most locations:
- Harlowton, MT (1)
Identity & history
Profile
- Legal name
- Tricounty Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8097
- RSSD ID
- 417587
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- P.O. Box 531, Harlowton, MT 59036
- Employees
- 3
Quick answers
Tricounty Federal Credit Union: common questions
Is Tricounty Federal Credit Union NCUA insured?
Yes. Tricounty Federal Credit Union is a federally insured credit union (NCUA charter #8097). 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 Tricounty Federal Credit Union's TellerScore?
66 out of 100 (Moderate), 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 Tricounty Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Harlowton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & Trust CompanyBank Big Timber, MT | 49 out of 100, Below average | $155.4M | 9.9% | 3.15% | vs |