Sep, 30, 2025 — RAVALLI COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in HAMILTON, MT with 2 branch locations and about $82.71 million in total assets. Opened 57 years ago in 1969, RAVALLI COUNTY FEDERAL CREDIT UNION has about 6,129 members and employs 18 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RAVALLI COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 501 N 1st St HAMILTON, MT 59840-2129 |
| Phone: | (406) 363-4631 |
| Fax: | (406) 363-3354 |
| Website: | https://www.ravallicountyfcu.org |
| Branches: | 2 branch locations |
| Members: | 6,129 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 19732 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1969 |
| Last Audited: | Nov 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $82,712,067 |
| CEO/Manager: | Darci Parsons |
| Chairperson: | Lynn Larson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,068,422 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 25,795,692 |
| Unsecured Loans | 2,683,475 |
| Other Loans | 26,652,718 |
| TOTAL LOANS | 56,410,898 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -169,087 |
| Land And Building | 2,118,431 |
| Other Fixed Assets | 156,583 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 660,571 |
| All Other Assets | 115,468 |
| TOTAL ASSETS | 82,712,067 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,634 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 799,943 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 16,173,513 |
| Regular shares | 35,010,868 |
| All Other Shares & Deposits | 19,572,706 |
| TOTAL SHARES & DEPOSITS | 70,757,088 |
| TOTAL LIABILITIES | 71,561,665 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 11,150,402 |
| TOTAL EQUITY | 11,150,402 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 82,712,067 |
| INCOME & EXPENSE | |
| Loan Income | 2,697,082 |
| Investment Income | 518,538 |
| Other Income | 250,448 |
| Total Employee Compensation & Benefits | 954,104 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,047,716 |
| Non-operating Income & (Expense) | 154 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -66,084 |
| Cost of Funds | 434,039 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,335,384 |
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