Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs The Family First Federal Credit Union
Credit union
The Family First Federal Credit Union
Great Falls, Montana · Under $100 million in assets
Metric by metric
| Measure | Clearwater Federal Credit Union | The Family First Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 63 |
| Capital cushion | 78 (stronger) | 60 |
| Loan quality | 78 (stronger) | 19 |
| Earnings | 65 | 89 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 79 |
| Peer percentile | 79th | 26th |
| Total assets | $1.2B | $18.8M |
| Deposits / shares | $945.2M | $16.7M |
| Capital ratio | 12.83% (stronger) | 11.01% |
| Problem loans | 0.67% (stronger) | 2.44% |
| Net charge-offs | 0.34% (stronger) | 0.34% |
| Return on assets | 1.12% | 1.72% (stronger) |
| Loans ÷ deposits | 89.2% | 48.5% (stronger) |
| Uninsured deposits | 5.9% | 2.9% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Clearwater Federal Credit Union leads on 4 and The Family First Federal Credit Union on 3. 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.