Side-by-side · Q2 2026 data
Billings Federal Credit Union vs 1st Liberty Federal Credit Union
Metric by metric
| Measure | Billings Federal Credit Union | 1st Liberty Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 67 | 94 (stronger) |
| Loan quality | 74 | 91 (stronger) |
| Earnings | 38 | 40 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $216.1M | $214.2M |
| Deposits / shares | $185.6M | $182.4M |
| Capital ratio | 11.73% | 14.43% (stronger) |
| Problem loans | 0.77% | 0.28% (stronger) |
| Net charge-offs | 0.19% | 0.18% (stronger) |
| Return on assets | 0.46% | 0.49% (stronger) |
| Loans ÷ deposits | 97.7% | 51.3% (stronger) |
| Uninsured deposits | 8.7% | 4.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Liberty Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Billings Federal Credit Union leads on 0 and 1st Liberty Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.