Side-by-side · Q2 2026 data
Billings Federal Credit Union vs Southwest Montana Community Federal Credit Union
Credit union
Southwest Montana Community Federal Credit Union
Anaconda, Montana · $100 million – $1 billion
Metric by metric
| Measure | Billings Federal Credit Union | Southwest Montana Community Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 55 |
| Capital cushion | 67 (stronger) | 66 |
| Loan quality | 74 (stronger) | 38 |
| Earnings | 38 (stronger) | 15 |
| Funding & liquidity | 63 | 98 (stronger) |
| Problem-loan coverage | 88 (stronger) | 82 |
| Peer percentile | 31st | 12th |
| Total assets | $216.1M | $203.3M |
| Deposits / shares | $185.6M | $182.7M |
| Capital ratio | 11.73% (stronger) | 11.63% |
| Problem loans | 0.77% (stronger) | 1.85% |
| Net charge-offs | 0.19% (stronger) | 0.96% |
| Return on assets | 0.46% (stronger) | -0.13% |
| Loans ÷ deposits | 97.7% | 62.2% (stronger) |
| Uninsured deposits | 8.7% | 4.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Billings Federal Credit Union has the higher TellerScore (64 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Billings Federal Credit Union leads on 5 and Southwest Montana Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.