Side-by-side · Q2 2026 data
Bank of Bozeman vs Clearwater Federal Credit Union
Metric by metric
| Measure | Bank of Bozeman | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 87 (stronger) | 78 |
| Earnings | 54 | 65 (stronger) |
| Funding & liquidity | 69 | 71 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 37th | 79th |
| Total assets | $108.4M | $1.2B |
| Deposits / shares | $96.4M | $945.2M |
| Capital ratio | 10.20% | 12.83% (stronger) |
| Problem loans | 0.39% (stronger) | 0.67% |
| Net charge-offs | -0.01% (stronger) | 0.34% |
| Return on assets | 0.84% | 1.12% (stronger) |
| Loans ÷ deposits | 81.0% (stronger) | 89.2% |
| Uninsured deposits | 24.5% | 5.9% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.9% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of Bozeman leads on 3 and Clearwater Federal Credit Union on 4. 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.