RICHLAND
Charter #3391 · Sidney, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.75% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.26% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.49% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.61% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 51st — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RICHLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.66M | 12th pct | 34th pct |
| Members | 4,834 | 3th pct | 38th pct |
| Net worth ratio | 14.75% | 84th pct | 79th pct |
| Return on average assets | 1.26% | 81th pct | 77th pct |
| Net interest margin | 3.49% | 40th pct | 75th pct |
| Cost of funds | 1.04% | 41th pct | 43th pct |
| Loan-to-share | 40.21% | 5th pct | 20th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 39th pct |
| Net charge-off ratio | 0.08% | 15th pct | 51th pct |
| Loan growth YoY | -13.26% | 0th pct | 0th pct |
| Share growth YoY | 4.07% | 59th pct | 56th pct |
| Efficiency ratio | 65.61% | 16th pct | 20th pct |
structural peer set hash: 5eaabc87e8f8a83a849cc422e60399a6… (reproducible)
Closest structural peers
This is the free public view
Claim RICHLAND
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.