Side-by-side · Q2 2026 data
First Montana Bank, Inc. vs Southwest Montana Community Federal Credit Union
Credit union
Southwest Montana Community Federal Credit Union
Anaconda, Montana · $100 million – $1 billion
Metric by metric
| Measure | First Montana Bank, Inc. | Southwest Montana Community Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 55 |
| Capital cushion | 52 | 66 (stronger) |
| Loan quality | 96 (stronger) | 38 |
| Earnings | 63 (stronger) | 15 |
| Funding & liquidity | 70 | 98 (stronger) |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 53rd | 12th |
| Total assets | $530.3M | $203.3M |
| Deposits / shares | $437.9M | $182.7M |
| Capital ratio | 10.15% | 11.63% (stronger) |
| Problem loans | 0.13% (stronger) | 1.85% |
| Net charge-offs | 0.07% (stronger) | 0.96% |
| Return on assets | 1.07% (stronger) | -0.13% |
| Loans ÷ deposits | 72.7% | 62.2% (stronger) |
| Uninsured deposits | 31.2% | 4.7% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
First Montana Bank, Inc. has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Montana Bank, Inc. leads on 4 and Southwest Montana Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Anaconda, MT
- Butte, MT