Side-by-side · Q2 2026 data
Bank of Montana vs Horizon Credit Union
Metric by metric
| Measure | Bank of Montana | Horizon Credit Union |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 39 | 81 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 100 (stronger) | 46 |
| Funding & liquidity | 52 | 61 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 61st | 75th |
| Total assets | $308.6M | $2.0B |
| Deposits / shares | $278.9M | $1.6B |
| Capital ratio | 8.89% | 13.08% (stronger) |
| Problem loans | 0.00% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.48% |
| Return on assets | 3.26% (stronger) | 0.64% |
| Loans ÷ deposits | 27.2% (stronger) | 98.9% |
| Uninsured deposits | 58.3% | 8.1% (stronger) |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank of Montana leads on 4 and Horizon 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.