Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs Whitefish Credit Union Association
Metric by metric
| Measure | Clearwater Federal Credit Union | Whitefish Credit Union Association |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 78 (stronger) | 77 |
| Loan quality | 78 | 95 (stronger) |
| Earnings | 65 (stronger) | 37 |
| Funding & liquidity | 71 | 80 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 79th | 79th |
| Total assets | $1.2B | $2.1B |
| Deposits / shares | $945.2M | $1.8B |
| Capital ratio | 12.83% (stronger) | 12.70% |
| Problem loans | 0.67% | 0.15% (stronger) |
| Net charge-offs | 0.34% | 0.02% (stronger) |
| Return on assets | 1.12% (stronger) | 0.43% |
| Loans ÷ deposits | 89.2% | 80.0% (stronger) |
| Uninsured deposits | 5.9% (stronger) | 11.9% |
| Offices | 11 | 5 |
| 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 3 and Whitefish Credit Union Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.