Side-by-side · Q2 2026 data
Bank of Billings vs Foundation Credit Union
Metric by metric
| Measure | Bank of Billings | Foundation Credit Union |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 49 | 93 (stronger) |
| Loan quality | 70 | 89 (stronger) |
| Earnings | 61 (stronger) | 43 |
| Funding & liquidity | 74 (stronger) | 70 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 26th | 62nd |
| Total assets | $105.0M | $76.6M |
| Deposits / shares | $91.2M | $64.5M |
| Capital ratio | 9.88% | 14.31% (stronger) |
| Problem loans | 0.91% | 0.33% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.27% |
| Return on assets | 1.03% (stronger) | 0.59% |
| Loans ÷ deposits | 85.9% (stronger) | 89.8% |
| Uninsured deposits | 13.8% | 7.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Foundation Credit Union has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Billings leads on 3 and Foundation Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.