Side-by-side · Q2 2026 data
BMO Bank National Association vs Holyoke Community Federal Credit Union
Credit union
Holyoke Community Federal Credit Union
Holyoke, Colorado · Under $100 million in assets
Metric by metric
| Measure | BMO Bank National Association | Holyoke Community Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 63 (stronger) |
| Capital cushion | 63 (stronger) | 33 |
| Loan quality | 69 | 71 (stronger) |
| Earnings | 26 | 64 (stronger) |
| Funding & liquidity | 46 | 92 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 21st | 26th |
| Total assets | $255.0B | $49.8M |
| Deposits / shares | $194.1B | $44.6M |
| Capital ratio | 11.29% (stronger) | 8.31% |
| Problem loans | 0.92% | 0.88% (stronger) |
| Net charge-offs | 0.20% | 0.01% (stronger) |
| Return on assets | 0.15% | 1.10% (stronger) |
| Loans ÷ deposits | 71.8% | 68.6% (stronger) |
| Uninsured deposits | 52.7% | 9.2% (stronger) |
| Offices | 957 | 2 |
| CFPB complaints (3 yrs) | 3,929 | — |
| Complaints per $1B deposits | 20.2 | — |
| Mortgage denial rate (HMDA) | 40.5% | — |
Holyoke Community Federal Credit Union has the higher TellerScore (63 vs 58). On the 7 directional measures above (where higher or lower is clearly better), BMO Bank National Association leads on 1 and Holyoke Community Federal Credit Union on 6. 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.
Where both have branches
- Holyoke, CO