Side-by-side · Q2 2026 data
Billings Federal Credit Union vs Montana Federal Credit Union
Metric by metric
| Measure | Billings Federal Credit Union | Montana Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 67 | 75 (stronger) |
| Loan quality | 74 | 91 (stronger) |
| Earnings | 38 | 59 (stronger) |
| Funding & liquidity | 63 | 82 (stronger) |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 31st | 76th |
| Total assets | $216.1M | $361.5M |
| Deposits / shares | $185.6M | $316.7M |
| Capital ratio | 11.73% | 12.53% (stronger) |
| Problem loans | 0.77% | 0.26% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.28% |
| Return on assets | 0.46% | 0.99% (stronger) |
| Loans ÷ deposits | 97.7% | 78.3% (stronger) |
| Uninsured deposits | 8.7% | 5.3% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
Montana Federal Credit Union has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Billings Federal Credit Union leads on 1 and Montana Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.