RICHLAND
Federal • Sidney, Montana • Est. 1939
Quick Facts
- Charter Number
- #3391
- Type
- Federal
- Established
- 1939
- Headquarters
- Sidney, Montana 59270-3626
- Address
- 201 W Holly St
- Branches
- 2
- ATMs
- 1
- Members
- 4,872
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,872 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RICHLAND |
|---|---|
| Total Assets | $113.1M |
| Members | 4,872 |
| Loans Outstanding | $43.5M |
| Shares & Deposits | $95.8M |
| Net Worth | $17.1M |
| Net Worth Ratio | 15.09% |
| Loan-to-Share Ratio | 45.4% |
| Delinquency Rate | 0.07% |
| Net Income | +$792,356 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Richland Federal Credit Union
Main Office201 W Holly St
Sidney, MT 59270-3626
Richland Federal Credit Union
18 2nd east
Culbertson, MT 59218
Who Can Join RICHLAND?
Membership Type: Other/Unknown
Membership eligibility for RICHLAND may vary. Contact the credit union directly to confirm qualification requirements.
Contact RICHLAND directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Montana
Browse all federally insured credit unions in Montana, ranked by assets, members, and financial health score.
View Montana RankingsFrequently Asked Questions
Yes. RICHLAND is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RICHLAND has 4,872 members and a potential membership field of 15,000 people.
RICHLAND's net worth ratio is 15.09% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.1%, RICHLAND meets this threshold.
RICHLAND operates 2 branch locations and has access to 1 ATMs. The main office is located at 201 W Holly St, Sidney, MT 59270-3626.
RICHLAND was established in 1939. It is a federal credit union chartered under charter number 3391. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RICHLAND. All financial data is for informational purposes only.