Richland

Sidney, MT · 1 · Charter #3391 · www.richlandfederalcredituni
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$113.1M
54th percentile
Members
4,872
23th percentile
Total loans
$43.5M
32th percentile
Total shares
$95.8M
53th percentile

Profitability

Return on assets
0.70%
28th percentile
Net interest margin
3.55%
44th percentile
Efficiency ratio
67.16%
35th percentile
Non-interest income ratio
9.51%
14th percentile

Capital & Risk

Net worth ratio
15.10%
77th percentile
Delinquency rate
0.07%
96th percentile
Net charge-off rate
0.08%
88th percentile
Loan-to-share
45.43%
14th percentile

Growth

Member growth YoY
-1.81%
36th percentile
Asset growth YoY
2.92%
41th percentile
Loan growth YoY
-2.73%
28th percentile
Share growth YoY
3.08%
47th percentile

Operations

Members / branch
2,436
34th percentile
Assets / member
$23,209
91th percentile
Field of membership penetration
32.48%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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