Side-by-side · Q2 2026 data
Butte Community Federal Credit Union vs Horizon Credit Union
Credit union
Butte Community Federal Credit Union
Butte, Montana · Under $100 million in assets
Metric by metric
| Measure | Butte Community Federal Credit Union | Horizon Credit Union |
|---|---|---|
| TellerScore | 57 | 75 (stronger) |
| Capital cushion | 28 | 81 (stronger) |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 27 | 46 (stronger) |
| Funding & liquidity | 84 (stronger) | 61 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 17th | 75th |
| Total assets | $37.7M | $2.0B |
| Deposits / shares | $34.2M | $1.6B |
| Capital ratio | 7.85% | 13.08% (stronger) |
| Problem loans | 0.41% | 0.27% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.48% |
| Return on assets | 0.18% | 0.64% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 98.9% |
| Uninsured deposits | 3.0% (stronger) | 8.1% |
| Offices | 3 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Credit Union has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Butte Community Federal Credit Union leads on 3 and Horizon Credit Union on 4. 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.