Side-by-side · Q2 2026 data
Belt Valley Bank vs Montana Federal Credit Union
Metric by metric
| Measure | Belt Valley Bank | Montana Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 98 (stronger) | 75 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 62 | 82 (stronger) |
| Problem-loan coverage | 60 | 97 (stronger) |
| Peer percentile | 26th | 76th |
| Total assets | $89.9M | $361.5M |
| Deposits / shares | $74.0M | $316.7M |
| Capital ratio | 14.83% (stronger) | 12.53% |
| Problem loans | 3.85% | 0.26% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.28% |
| Return on assets | 2.01% (stronger) | 0.99% |
| Loans ÷ deposits | 98.7% | 78.3% (stronger) |
| Uninsured deposits | 7.5% | 5.3% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 11.8% |
Montana Federal Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Belt Valley Bank leads on 3 and Montana Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.