Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs Montana Educators' Credit Union
Metric by metric
| Measure | Clearwater Federal Credit Union | Montana Educators' Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 78 (stronger) | 50 |
| Loan quality | 78 | 87 (stronger) |
| Earnings | 65 | 81 (stronger) |
| Funding & liquidity | 71 | 90 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 79th | 54th |
| Total assets | $1.2B | $35.3M |
| Deposits / shares | $945.2M | $31.7M |
| Capital ratio | 12.83% (stronger) | 10.01% |
| Problem loans | 0.67% | 0.38% (stronger) |
| Net charge-offs | 0.34% | 0.11% (stronger) |
| Return on assets | 1.12% | 1.51% (stronger) |
| Loans ÷ deposits | 89.2% | 70.5% (stronger) |
| Uninsured deposits | 5.9% | 3.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Clearwater Federal Credit Union leads on 1 and Montana Educators' Credit Union on 5. 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.