Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs St. Pats Employees Federal Credit Union
Credit union
St. Pats Employees Federal Credit Union
Missoula, Montana · Under $100 million in assets
Metric by metric
| Measure | Clearwater Federal Credit Union | St. Pats Employees Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 78 | 78 |
| Loan quality | 78 (stronger) | 67 |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 79th | 57th |
| Total assets | $1.2B | $5.4M |
| Deposits / shares | $945.2M | $4.7M |
| Capital ratio | 12.83% | 12.83% |
| Problem loans | 0.67% (stronger) | 1.00% |
| Net charge-offs | 0.34% | 0.20% (stronger) |
| Return on assets | 1.12% (stronger) | 1.04% |
| Loans ÷ deposits | 89.2% | 37.7% (stronger) |
| Uninsured deposits | 5.9% | 3.2% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
St. Pats Employees Federal Credit Union has the higher TellerScore (77 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Clearwater Federal Credit Union leads on 2 and St. Pats Employees 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.