# RICHLAND
Sidney, MT · NCUA charter 3391 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/richland-3391

Who the members are: federal charter, community charter, organized 1939, low-income designated. 4,834 members of 15,000 potential (32.2% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $117.7M |
| Members | 4,834 (-3.0% YoY) |
| Full-time staff | 13 |
| Net worth | $17.4M |
| Net worth ratio | 14.8% (p80 of band) |
| ROA (annualized) | 1.24% (p80 of band) |
| Total delinquency | 0.24% (p19 of band) |
| Net charge-offs (annualized) | 0.08% (p19 of band) |
| Loans / shares | 40% (p8 of band) |
| Cash / assets | 32.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p35 of band) |
| Operating expense / assets | 2.53% (p13 of band) |
| Vehicles % of loans | 18% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.31% (p30 of band) |
| Vehicle NCO | 0.46% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 156% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 10% |
| Average share balance | $11,632 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $193,870 |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $43,045 |
| Loans granted, annualized | $23.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $193,870 outstanding purchased (1.1% of net worth), $55,286 sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2017-06 | 2 |  | assets shrinking |
| 2017-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | members leaving |  |
| 2020-09 | 4 | margin squeeze | net worth falling |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 3 | net worth falling, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 | margin squeeze | charge-offs p90 |
| 2021-12 | 3 | net worth falling, charge-offs p90, loan book shrinking | margin squeeze |
| 2022-03 | 1 | delinquency rising | net worth falling, charge-offs p90, loan book shrinking |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 3 | delinquency 2x band, assets shrinking |  |
| 2023-09 | 0 |  | delinquency rising, delinquency 2x band, assets shrinking |
| 2023-12 | 1 | assets shrinking |  |
| 2024-03 | 2 | delinquency 2x band, delinquency rising | assets shrinking |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, members leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [Richland Federal Credit Union Welcomes New CEO - roundupweb.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZ3VQWUJzR21sbldBb212RW9FemV0ZjRRdEFrY2lMN3pDamdwbEVLQzRLNTBoMm1DaTJ0cndiaFk5Q2pjeURsZEMwVHZ3TVRlcFdoSmVVNG9aX2lzc24xM0ZYdVBjUmh1Vlp3UFJVTGxpTlNUSWVVTl82WVdrNWFQSDFuOEJSRmRlNlVXOFM0VHFzX2tOd1Z0VVRzRXZwWjZlZlp5NkVTVHNCZw?oc=5) · roundupweb.com
- 2026-03-08 [Richland FCU Names Tyson Taylor CEO - cutoday.info](https://news.google.com/rss/articles/CBMifEFVX3lxTE04Yks3N0FQbzl1QnlpZGtQQkE4Y3plOEtFeFJlWTRWWWZyM0ZwOC0yQWRTWWRMZ0FYZVVadkZyNTI5Z1Z2TkNxaE5FSkNOcUNwemczWm0zN1dna1lpeURVUTIteEdBTU1kZzhORUZELWd0T0puamloTGtsbkg?oc=5) · cutoday.info
- 2025-09-11 [New Idaho bank opens in Richland to focus on small business - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMicEFVX3lxTE9ORXNhOE1yUVlIY3FsUFVQNThrNlo2ckRCOXF0VGFvVndpWGJYQVVLNHdvWlV4TWtZdksyRUd4anFybi1EYzVEZENUMTdUYlYwcWpmS2U5M3BqeDdBWmtJTDN2ZGNRQTNhUEJ1Z1c1N3c?oc=5) · Tri-Cities Area Journal of Business
- 2024-11-07 [Credit unions acquire community banks at record pace - Spokane Journal of Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxQeGlGdGRZTTdIVkpDclgzM2EwTlh0eWJndXRjZEtTVUhEQ0kwQUxqbHFxeWFTQk10VjF3ckxWS0VnaU9fQmREQXdNODFNcHpQcWJWSjlNb3NWcVctSjU5SnFMX3MtU0F3Q2RBVERTaEZVWU5wZDFnQkZ2bzFqbUUwYWNfa04xS2piOS02dmhn?oc=5) · Spokane Journal of Business
- 2025-12-04 [Daryl Vaira Obituary (2025) - Sidney, MT - Fulkerson Stevenson Funeral Home - Sidney - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1EMHZGbFhnbkIyV2J5S2ViY0FSS2R5d1lvSFpsUEpVZzRHODNKRDdtRF9xX3B3QVlzYlVhVndyYkNoVVZCam1NM1o2RmlibHA3S2cxUUlDQjFNV2JrRkVSSGFabnRUWjFDQkZKSkJJU2JiUHZLTFJjRnpVVWpLOWM?oc=5) · legacy.com
- 2021-06-25 [Groundbreaking ceremony held Friday for SRP Federal Credit Union branch on Richland Avenue - Post and Courier](https://news.google.com/rss/articles/CBMiogJBVV95cUxPS2pINjJHRWJIOGgwZWFLSldGbWQwRTgtSXltOVo1eEpLT3Bpd01MYU5vcEVXX2x4M3VrR1dUM1FMRjBadHRlRDBFOGZ4c01jdGpWOE0tX0RoU0o3UF9FNlBpV1NpUXpHb2xSRmF2OFBLZnI0ZTU0cThvT3p3aXVINDJNam5Ua0VNcVo3bGoteFY1ZzFEenJJY29qQkVIbVlkb2NQanBURXNhTDZUdTZFNnBjbDk4SzNIQy1oaDV6c1VvSXZ2SHhMX0lIT2lQX0hnYjc0ZzdLSW9Bbm1Ib3VHZmxUbWltQUt0MThWb1BReFZ1ZE1reGx3YXVPcTVTUms5VDNTTUdnbmxIMXhjTWVMSlA0emlKZlU1MFpaTE5pTXFBZw?oc=5) · Post and Courier
- 2026-01-28 [14th Annual Cattleman's Ball 2026 Set For Feb. 7 - roundupweb.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMGl3dHM5OEJzdFZ2SlhBNmF0elNoSWlPU3QyaWVtOXdGaWc4ZC1QRkRGeThPSldJZHZ1UnRhRnhtNzVLZV96LUdZNGpqOTFNQWhUZU5DR0ZPS0h5aUg2dlNRR3UxQzhzemVDVmQ4T3JoUE1vcFhaOXZWVDRqMW9KTThRVmdTUWpfcUg2UmI0Qi1NYldyZmd5SzE5VmY4T0FpcVRmN0tGd2lqZw?oc=5) · roundupweb.com
- 2024-09-18 [Montana auctioneer and rancher receives new liver following help from community - KTVQ](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQYk5tYXN2WlA1ekx5RUx1WFdIRXRxLVY1VWI5LU5GME1zbE1yaDBMWUxMVUNhN05RaWNKVmFEOWx4cG1DQWpVcUlPZ3ptOVdxNkQ2ZlBNczhrejVGVWxxUHJ6ejVTU0ttYTdod0hVbkpxRVp4SW9nMF9LejFLS1pNYXQ3ZWFtZXNDUUNDd0hLSFJPRk1EMkNLR2t4VC1jZEZqSk5JTExLbTVyT09TTFc0UzlFZ2ZxU1dyWjRtZzdnelAzdw?oc=5) · KTVQ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3391 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "3391", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3391
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide