Side-by-side · Q2 2026 data
First Interstate 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 | First Interstate Bank | Ravalli County Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 92 (stronger) |
| Capital cushion | 44 | 89 (stronger) |
| Loan quality | 63 | 99 (stronger) |
| Earnings | 68 | 92 (stronger) |
| Funding & liquidity | 71 | 85 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 35th | 92nd |
| Total assets | $25.8B | $89.4M |
| Deposits / shares | $21.7B | $75.7M |
| Capital ratio | 9.42% | 13.87% (stronger) |
| Problem loans | 1.12% | 0.02% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.31% |
| Return on assets | 1.21% | 1.80% (stronger) |
| Loans ÷ deposits | 64.9% (stronger) | 75.6% |
| Uninsured deposits | 36.4% | 3.3% (stronger) |
| Offices | 270 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.4% | — |
Ravalli County Federal Credit Union has the higher TellerScore (92 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Interstate Bank leads on 2 and Ravalli County Federal Credit Union on 5. 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.