Side-by-side · Q2 2026 data
First Montana Bank, Inc. vs Horizon Credit Union
Metric by metric
| Measure | First Montana Bank, Inc. | Horizon Credit Union |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 52 | 81 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 63 (stronger) | 46 |
| Funding & liquidity | 70 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 53rd | 75th |
| Total assets | $530.3M | $2.0B |
| Deposits / shares | $437.9M | $1.6B |
| Capital ratio | 10.15% | 13.08% (stronger) |
| Problem loans | 0.13% (stronger) | 0.27% |
| Net charge-offs | 0.07% (stronger) | 0.48% |
| Return on assets | 1.07% (stronger) | 0.64% |
| Loans ÷ deposits | 72.7% (stronger) | 98.9% |
| Uninsured deposits | 31.2% | 8.1% (stronger) |
| Offices | 10 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Horizon Credit Union has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Montana Bank, Inc. leads on 4 and Horizon Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.