Richland
Sidney, MT · Charter 3391 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$118.9MAssets
$43.9MLoans
$101.1MShares
$17.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets (rank 285 of 1682).
- Widest gap: net interest margin trails 66% of credit unions under $1B in assets (rank 1118 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.24%
Rank 378 of 1,683
Net Interest Margin
3.51%
Rank 1,118 of 1,683
Efficiency Ratio
67.48%
Rank 376 of 1,682
Equity / Assets
14.92%
Rank 558 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.35% | 0.74% | 1.18% | Beats 78% | 378 / 1,683 | |
| Return on Equity | 8.34% | 2.67% | 5.89% | 8.74% | Beats 72% | 467 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,118 / 1,683 | |
| Efficiency Ratio | 67.48% | 68.91% | 78.20% | 86.93% | Beats 78% | 376 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 285 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.92% | 10.44% | 12.89% | 16.53% | Beats 67% | 558 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.92% | 10.44% | 12.89% | 16.53% | Beats 67% | 558 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 43.45% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,436 / 1,683 | |
| Loans / Assets | 36.95% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,424 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |