Side-by-side · Q2 2026 data
Citizens Alliance Bank vs Southwest Montana Community Federal Credit Union
Credit union
Southwest Montana Community Federal Credit Union
Anaconda, Montana · $100 million – $1 billion
Metric by metric
| Measure | Citizens Alliance Bank | Southwest Montana Community Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 55 (stronger) |
| Capital cushion | 48 | 66 (stronger) |
| Loan quality | 51 (stronger) | 38 |
| Earnings | 28 (stronger) | 15 |
| Funding & liquidity | 39 | 98 (stronger) |
| Problem-loan coverage | 80 | 82 (stronger) |
| Peer percentile | 5th | 12th |
| Total assets | $1.4B | $203.3M |
| Deposits / shares | $1.2B | $182.7M |
| Capital ratio | 9.81% | 11.63% (stronger) |
| Problem loans | 1.48% (stronger) | 1.85% |
| Net charge-offs | -0.00% (stronger) | 0.96% |
| Return on assets | 0.20% (stronger) | -0.13% |
| Loans ÷ deposits | 82.0% | 62.2% (stronger) |
| Uninsured deposits | 49.9% | 4.7% (stronger) |
| Offices | 19 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Southwest Montana Community Federal Credit Union has the higher TellerScore (55 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens Alliance Bank leads on 3 and Southwest Montana Community Federal 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.