Side-by-side · Q2 2026 data
Bank of Bozeman vs Horizon Credit Union
Metric by metric
| Measure | Bank of Bozeman | Horizon Credit Union |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 52 | 81 (stronger) |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 54 (stronger) | 46 |
| Funding & liquidity | 69 (stronger) | 61 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 37th | 75th |
| Total assets | $108.4M | $2.0B |
| Deposits / shares | $96.4M | $1.6B |
| Capital ratio | 10.20% | 13.08% (stronger) |
| Problem loans | 0.39% | 0.27% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.48% |
| Return on assets | 0.84% (stronger) | 0.64% |
| Loans ÷ deposits | 81.0% (stronger) | 98.9% |
| Uninsured deposits | 24.5% | 8.1% (stronger) |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Credit Union has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of Bozeman leads on 3 and Horizon 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.