RICHLAND

Charter #3391 | MT

100M-500M (1077 CUs) Micro
13 100M-500M in MT

RICHLAND has 7 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.3% in tier
  • + Wallet Share Momentum: Top 10.0% in tier
  • + Emerging Performer: Top 16.4% in tier
  • + ROA 0.40% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 6.9% in tier
  • + Share Certificate Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.8% in tier
  • - Stagnation Risk: Bottom 4.6% in tier
  • - Membership Headwinds: Bottom 21.5% in tier
  • - Institutional Decline: Bottom 32.2% in tier
  • - Delinquency rate 0.21% above tier average
  • - Total Members: Bottom 2.9% in tier
  • - Total Loans: Bottom 4.4% in tier
  • - Total Deposits: Bottom 7.9% in tier
  • - Loan-to-Share Ratio: Bottom 9.1% in tier
  • - Total Assets: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 4,866
-1.7% YoY-2.4% QoQ
 -10.8K 15,628
-3.4% YoY
 10,775
+3.4% YoY
 33,089
+6.1% YoY
 Bottom 2.8% in tier
Assets $113.6M
+7.5% YoY+1.5% QoQ
 $-117.7M $231.3M
-0.0% YoY
 $192.0M
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 9.1% in tier
Loans $46.4M
-0.6% YoY+2.8% QoQ
 $-101.3M $147.8M
-1.4% YoY
 $128.7M
+5.8% YoY
 $388.7M
+8.6% YoY
 Bottom 4.3% in tier
Deposits $96.3M
+8.2% YoY+1.6% QoQ
 $-104.0M $200.3M
-0.0% YoY
 $165.1M
+6.8% YoY
 $464.6M
+9.3% YoY
 Bottom 7.8% in tier
ROA 1.2%
+30.0% YoY-0.3% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.8%
-56.8% YoY
 0.7%
+273.4% YoY
 Top 22.7% in tier
NIM 3.5%
+4.6% YoY+1.1% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.7%
+3.8% YoY
 3.7%
+5.0% YoY
 42nd in tier
Efficiency Ratio 69.6%
-5.9% YoY+0.4% QoQ
 -7.7% 77.3%
-3.0% YoY
 75.4%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 24.7% in tier
Delinquency Rate 1.1%
-62.4% YoY-17.4% QoQ
 +0.2 0.9%
+7.6% YoY
 1.0%
-7.2% YoY
 1.2%
-0.9% YoY
 73rd in tier
Loan To Share 48.2%
-8.1% YoY+1.2% QoQ
 -24.5% 72.7%
-1.5% YoY
 68.8%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 9.0% in tier
AMR $29,330
+7.0% YoY+4.5% QoQ
 +$5K $24,363
+2.9% YoY
 $21,496
+3.0% YoY
 $19,418
+1.3% YoY
 Top 18.7% in tier
CD Concentration 9.5%
-15.7% YoY-12.3% QoQ
 -14.9% 24.4%
+4.2% YoY
 17.7%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 6.1%
-1.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#37 of 1006 • Top 1.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.04%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $6.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#276 of 1006 • Top 10.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.04%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#308 of 627 • Top 16.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.18%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Liquidity Overhang

risk
#60 of 552 • Bottom 3.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.22%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 48.25%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Stagnation Risk

risk
#76 of 550 • Bottom 4.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.18%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 9.53%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#355 of 550 • Bottom 21.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#254 of 256 • Bottom 32.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $113.64M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.74%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.58%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
75
First Mortgage Concentration (%)
balance_sheet
Value: 5.74%
Peer Avg: 30.43%
#75 of 1077 Top 6.9% in 100M-500M tier
106
Share Certificate Concentration (%)
balance_sheet
Value: 9.53%
Peer Avg: 23.61%
#106 of 1077 Top 9.7% in 100M-500M tier
156
Net Worth Ratio
risk
Value: 15.22%
Peer Avg: 12.15%
#156 of 1077 Top 14.4% in 100M-500M tier
170
Net Charge-Off Rate
risk
Value: 0.10%
Peer Avg: 0.47%
#170 of 1077 Top 15.7% in 100M-500M tier
201
Average Member Relationship (AMR)
engagement
Value: $29,330
Peer Avg: $24,363
#201 of 1077 Top 18.6% in 100M-500M tier
208
Deposit Growth Rate
growth
Value: 8.21%
Peer Avg: 4.69%
#208 of 1077 Top 19.2% in 100M-500M tier
218
AMR Growth Rate
growth
Value: 7.04%
Peer Avg: 3.64%
#218 of 1077 Top 20.1% in 100M-500M tier
239
Asset Growth Rate
growth
Value: 7.48%
Peer Avg: 4.70%
#239 of 1077 Top 22.1% in 100M-500M tier
245
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.79%
#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1047
Total Members
engagement
Value: 4,866
Peer Avg: 15,628
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1031
Total Loans
balance_sheet
Value: $46.45M
Peer Avg: $147.80M
#1031 of 1077 Bottom 4.4% in 100M-500M tier
993
Total Deposits
balance_sheet
Value: $96.27M
Peer Avg: $200.29M
#993 of 1077 Bottom 7.9% in 100M-500M tier
980
Loan-to-Share Ratio
balance_sheet
Value: 48.25%
Peer Avg: 72.70%
#980 of 1077 Bottom 9.1% in 100M-500M tier
979
Total Assets
balance_sheet
Value: $113.64M
Peer Avg: $231.30M
#979 of 1077 Bottom 9.2% in 100M-500M tier
867
Fee Income Per Member
profitability
Value: $109.15
Peer Avg: $174.31
#867 of 1077 Bottom 19.6% in 100M-500M tier