Side-by-side · Q2 2026 data
First Montana Bank, Inc. vs Clearwater Federal Credit Union
Metric by metric
| Measure | First Montana Bank, Inc. | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 96 (stronger) | 78 |
| Earnings | 63 | 65 (stronger) |
| Funding & liquidity | 70 | 71 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 53rd | 79th |
| Total assets | $530.3M | $1.2B |
| Deposits / shares | $437.9M | $945.2M |
| Capital ratio | 10.15% | 12.83% (stronger) |
| Problem loans | 0.13% (stronger) | 0.67% |
| Net charge-offs | 0.07% (stronger) | 0.34% |
| Return on assets | 1.07% | 1.12% (stronger) |
| Loans ÷ deposits | 72.7% (stronger) | 89.2% |
| Uninsured deposits | 31.2% | 5.9% (stronger) |
| Offices | 10 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 22.9% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Montana Bank, Inc. leads on 3 and Clearwater Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.