Side-by-side · Q2 2026 data
Billings Federal Credit Union vs Seg Federal Credit Union
Metric by metric
| Measure | Billings Federal Credit Union | Seg Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 67 | 76 (stronger) |
| Loan quality | 74 | 75 (stronger) |
| Earnings | 38 | 54 (stronger) |
| Funding & liquidity | 63 | 81 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 31st | 49th |
| Total assets | $216.1M | $25.6M |
| Deposits / shares | $185.6M | $22.1M |
| Capital ratio | 11.73% | 12.63% (stronger) |
| Problem loans | 0.77% | 0.75% (stronger) |
| Net charge-offs | 0.19% | -0.00% (stronger) |
| Return on assets | 0.46% | 0.85% (stronger) |
| Loans ÷ deposits | 97.7% | 79.0% (stronger) |
| Uninsured deposits | 8.7% | 4.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Seg Federal Credit Union has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Billings Federal Credit Union leads on 0 and Seg Federal Credit Union on 7. 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.