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credit union

Tricounty

Harlowton, MT · Est. 1952
C
Trust Grade
Average
Score: 70/100

Tricounty is a credit union based in Harlowton, Montana, established in 1952, with $2 million in total assets serving 227 members. By Trust Grade it ranks 40th of 41 credit unions we track in Montana. Its net worth ratio of 9.6% trails most similarly sized credit unions (14th percentile), versus a Montana median of 11.9%. It posted a loss over the most recent period (-1.16% return on assets), a point to watch. No consumer complaints against Tricounty appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.9M
<$100M institution
Members
227
Shares & deposits
Net worth ratio
9.6%
Bottom 14% of <$100M peers · Montana median 11.9%
Return on assets
-1.2%
Bottom 7% of <$100M peers · Montana median 0.78%
Rank in Montana
#40
of 41 credit unions

How Tricounty compares to Montana peers

Net worth ratio
Bottom 14% of <$100M peers
Tricounty
9.6%
Montana median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 7% of <$100M peers
Tricounty
-1.2%
Montana median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Tricounty

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
70/100
Customer experience
n/a
Overall
C · 70
  • Well-capitalized (9.6% capital ratio)
  • Unprofitable over the period (ROA -1.16%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Tricounty over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Tricounty insured?

Yes. Tricounty is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Tricounty: frequently asked questions

Is Tricounty a good credit union?

Tricounty earns a Bankzia Trust Grade of C (70/100, "Average"), based on a financial-strength score of 70/100 (it has no CFPB complaints on record). Well-capitalized (9.6% capital ratio); Unprofitable over the period (ROA -1.16%).

Is Tricounty NCUA-insured?

Yes. Tricounty is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Tricounty?

Tricounty holds $2 million in total assets, ranking 40th of 41 credit unions we track in Montana. It serves 227 members.

Does Tricounty have CFPB complaints?

No CFPB complaints against Tricounty appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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