Side-by-side · Q2 2026 data
Farmers State Bank vs Clearwater Federal Credit Union
Metric by metric
| Measure | Farmers State Bank | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 38 | 78 (stronger) |
| Loan quality | 77 | 78 (stronger) |
| Earnings | 59 | 65 (stronger) |
| Funding & liquidity | 82 (stronger) | 71 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 26th | 79th |
| Total assets | $790.3M | $1.2B |
| Deposits / shares | $664.3M | $945.2M |
| Capital ratio | 8.84% | 12.83% (stronger) |
| Problem loans | 0.68% | 0.67% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.34% |
| Return on assets | 0.98% | 1.12% (stronger) |
| Loans ÷ deposits | 78.1% (stronger) | 89.2% |
| Uninsured deposits | 12.7% | 5.9% (stronger) |
| Offices | 10 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 22.9% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Clearwater Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Missoula, MT
- Helena, MT
- Stevensville, MT