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Tricounty Credit Union

Overview
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Tricounty Credit Union is a federal credit union based in Harlowton, Montana. It has been opened since 1952, for 68 years.

With around $1,320,000 in assets, Tricounty Credit Union is considered to be a small credit union.

About
Address P.O. Box 531
Harlowton, Montana 59036
Phone (406) 632-4357
Fax (406) 632-4844
CEO Joann Jenkins
President of the Board Dane Elwood
Services Offered
Map
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Score Card
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68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
483 members
Membership type: Community credit union
Below average number of members
322:1
Credit union member to staff ratio
322 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$1,319,251
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
Branches
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1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
Tricounty Credit Union Branch Locations
Members
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483 members
Membership type: Community credit union
Below average number of members

With 483 members, the Tricounty Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 91% of credit unions.

Fees
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$59
Average fee per member
The average fee per member at the Tricounty Credit Union is $59, which is comparable to most credit unions. This rate is lower than 41% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Tricounty Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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322:1
Credit union member to staff ratio
322 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
2 staff members
FTE (full-time equivalent)
100% of employees are part-time
0 full-time, 3 part-time

Tricounty Credit Union has 0 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of part-time staff, at approximately 100% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Tricounty Credit Union has around 322 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$1,319,251
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$4,292
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 93% of credit unions.

Tricounty Credit Union holds a total of $870,000 in loans and leases, which is about $4,292 per member on average.

Savings interest rate
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Loan rates
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16.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.90%
New car loan rate
Compared to 4.0% nationally
7.50%
Used car loan rate
Compared to 5.2% nationally