Side-by-side · Q2 2026 data
Butte Community Federal Credit Union vs Vocal 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 | Vocal Credit Union |
|---|---|---|
| TellerScore | 57 | 82 (stronger) |
| Capital cushion | 28 | 82 (stronger) |
| Loan quality | 86 | 87 (stronger) |
| Earnings | 27 | 66 (stronger) |
| Funding & liquidity | 84 | 88 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 17th | 70th |
| Total assets | $37.7M | $52.6M |
| Deposits / shares | $34.2M | $45.2M |
| Capital ratio | 7.85% | 13.19% (stronger) |
| Problem loans | 0.41% | 0.40% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.19% |
| Return on assets | 0.18% | 1.16% (stronger) |
| Loans ÷ deposits | 76.7% | 72.3% (stronger) |
| Uninsured deposits | 3.0% | 1.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Butte Community Federal Credit Union leads on 1 and Vocal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.