Side-by-side · Q2 2026 data
Bitterroot Community Federal Credit Union vs Ravalli County Federal Credit Union
Credit union
Bitterroot Community Federal Credit Union
Darby, Montana · Under $100 million in assets
Credit union
Ravalli County Federal Credit Union
Hamilton, Montana · Under $100 million in assets
Metric by metric
| Measure | Bitterroot Community Federal Credit Union | Ravalli County Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 92 (stronger) |
| Capital cushion | 35 | 89 (stronger) |
| Loan quality | 80 | 99 (stronger) |
| Earnings | 44 | 92 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 28th | 92nd |
| Total assets | $18.9M | $89.4M |
| Deposits / shares | $17.2M | $75.7M |
| Capital ratio | 8.53% | 13.87% (stronger) |
| Problem loans | 0.59% | 0.02% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.31% |
| Return on assets | 0.60% | 1.80% (stronger) |
| Loans ÷ deposits | 47.2% (stronger) | 75.6% |
| Uninsured deposits | 0.1% (stronger) | 3.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ravalli County Federal Credit Union has the higher TellerScore (92 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bitterroot Community Federal Credit Union leads on 3 and Ravalli County Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.