Sidney, Montana · Peer group 5
Richland Credit Union
Richland Credit Union holds $117.7M in assets across 4,834 members as of Q1 2026 — about $24K of assets per member, on a charter dating to 1939. Charter number 3391, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $117.7M |
|---|---|
| Total loans | $40.3M |
| Total shares (deposits) | $100.2M |
| Net worth | $17.4M |
| Members | 4,834 |
| Assets per member | $24K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.4% | |
|---|---|---|
| Loans | -9.8% | lower than 97% of its peer group |
| Deposits | 3.3% | around the 52nd percentile of its peer group |
| Members | -3.0% | around the 22nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 40.2% | lower than 95% of its peer group |
|---|---|---|
| Net worth ratio | 14.8% | around the 84th percentile of its peer group |
| Return on assets | 1.24% | around the 81st percentile of its peer group |
| Delinquency ratio | 0.24% | around the 17th percentile of its peer group |
| Cash / assets | 13.8% | around the 74th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Richland Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Montana — the comparison set a peer ratio is measured against.
- Fergus Credit Union
Lewistown, MT
$118.9M · 6,485 members
- Russell Country Credit Union
Great Falls, MT
$132.9M · 9,897 members
- Grasslands Credit Union
CIRCLE, MT
$139.5M · 3,858 members
- Daniels-Sheridan Credit Union
SCOBEY, MT
$92.4M · 3,178 members
- Ravalli County Credit Union
Hamilton, MT
$89.1M · 6,272 members
- Rimrock Credit Union
BILLINGS, MT
$63.5M · 3,252 members
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