Side-by-side · Q2 2026 data
BMO Bank National Association vs Huron Area Education Federal Credit Union
Credit union
Huron Area Education Federal Credit Union
Huron, South Dakota · Under $100 million in assets
Metric by metric
| Measure | BMO Bank National Association | Huron Area Education Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 87 (stronger) |
| Capital cushion | 63 | 74 (stronger) |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 26 | 72 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 21st | 83rd |
| Total assets | $255.0B | $18.8M |
| Deposits / shares | $194.1B | $16.4M |
| Capital ratio | 11.29% | 12.44% (stronger) |
| Problem loans | 0.92% | 0.00% (stronger) |
| Net charge-offs | 0.20% | -0.18% (stronger) |
| Return on assets | 0.15% | 1.30% (stronger) |
| Loans ÷ deposits | 71.8% | 57.9% (stronger) |
| Uninsured deposits | 52.7% | 1.5% (stronger) |
| Offices | 957 | 1 |
| CFPB complaints (3 yrs) | 3,934 | — |
| Complaints per $1B deposits | 20.3 | — |
| Mortgage denial rate (HMDA) | 40.5% | — |
Huron Area Education Federal Credit Union has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), BMO Bank National Association leads on 0 and Huron Area Education 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.