Side-by-side · Q2 2026 data
Billings Federal Credit Union vs Lincoln County Credit Union
Metric by metric
| Measure | Billings Federal Credit Union | Lincoln County Credit Union |
|---|---|---|
| TellerScore | 64 | 98 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 74 | 93 (stronger) |
| Earnings | 38 | 100 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 31st | 100th |
| Total assets | $216.1M | $186.6M |
| Deposits / shares | $185.6M | $146.2M |
| Capital ratio | 11.73% | 21.61% (stronger) |
| Problem loans | 0.77% | 0.22% (stronger) |
| Net charge-offs | 0.19% | 0.11% (stronger) |
| Return on assets | 0.46% | 2.11% (stronger) |
| Loans ÷ deposits | 97.7% | 42.1% (stronger) |
| Uninsured deposits | 8.7% | 5.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lincoln County Credit Union has the higher TellerScore (98 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Billings Federal Credit Union leads on 0 and Lincoln County Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.