Side-by-side · Q2 2026 data
BMO Bank National Association vs Hb Telco Federal Credit Union
Metric by metric
| Measure | BMO Bank National Association | Hb Telco Federal Credit Union |
|---|---|---|
| TellerScore | 58 (stronger) | 57 |
| Capital cushion | 63 (stronger) | 36 |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 26 (stronger) | 0 |
| Funding & liquidity | 46 | 74 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 21st | 17th |
| Total assets | $255.0B | $4.9M |
| Deposits / shares | $194.1B | $4.5M |
| Capital ratio | 11.29% (stronger) | 8.59% |
| Problem loans | 0.92% | 0.00% (stronger) |
| Net charge-offs | 0.20% | 0.07% (stronger) |
| Return on assets | 0.15% (stronger) | -0.81% |
| Loans ÷ deposits | 71.8% (stronger) | 86.1% |
| Uninsured deposits | 52.7% | 0.5% (stronger) |
| Offices | 957 | 1 |
| CFPB complaints (3 yrs) | 3,929 | — |
| Complaints per $1B deposits | 20.2 | — |
| Mortgage denial rate (HMDA) | 40.5% | — |
BMO Bank National Association has the higher TellerScore (58 vs 57). On the 7 directional measures above (where higher or lower is clearly better), BMO Bank National Association leads on 4 and Hb Telco Federal Credit Union on 3. 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.