Side-by-side · Q2 2026 data
B. M. H. Federal Credit Union vs Bowater Employees Credit Union
Metric by metric
| Measure | B. M. H. Federal Credit Union | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 69 | 75 (stronger) |
| Earnings | 35 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 62nd | 66th |
| Total assets | $3.7M | $302.6M |
| Deposits / shares | $2.9M | $267.9M |
| Capital ratio | 21.19% (stronger) | 10.77% |
| Problem loans | 0.94% | 0.74% (stronger) |
| Net charge-offs | 0.29% (stronger) | 0.49% |
| Return on assets | 0.38% | 1.74% (stronger) |
| Loans ÷ deposits | 49.9% (stronger) | 81.2% |
| Uninsured deposits | 0.0% (stronger) | 6.9% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
B. M. H. Federal Credit Union has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), B. M. H. Federal Credit Union leads on 5 and Bowater Employees Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.