Side-by-side · Q2 2026 data
Farmers State Bank vs Ravalli County Federal Credit Union
Credit union
Ravalli County Federal Credit Union
Hamilton, Montana · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Ravalli County Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 92 (stronger) |
| Capital cushion | 38 | 89 (stronger) |
| Loan quality | 77 | 99 (stronger) |
| Earnings | 59 | 92 (stronger) |
| Funding & liquidity | 82 | 85 (stronger) |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 26th | 92nd |
| Total assets | $790.3M | $89.4M |
| Deposits / shares | $664.3M | $75.7M |
| Capital ratio | 8.84% | 13.87% (stronger) |
| Problem loans | 0.68% | 0.02% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.31% |
| Return on assets | 0.98% | 1.80% (stronger) |
| Loans ÷ deposits | 78.1% | 75.6% (stronger) |
| Uninsured deposits | 12.7% | 3.3% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Ravalli County Federal Credit Union has the higher TellerScore (92 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and Ravalli County Federal Credit Union on 6. 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.