Side-by-side · Q2 2026 data
First Montana Bank, Inc. vs St. Pats Employees Federal Credit Union
Credit union
St. Pats Employees Federal Credit Union
Missoula, Montana · Under $100 million in assets
Metric by metric
| Measure | First Montana Bank, Inc. | St. Pats Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 96 (stronger) | 67 |
| Earnings | 63 (stronger) | 62 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 53rd | 57th |
| Total assets | $530.3M | $5.4M |
| Deposits / shares | $437.9M | $4.7M |
| Capital ratio | 10.15% | 12.83% (stronger) |
| Problem loans | 0.13% (stronger) | 1.00% |
| Net charge-offs | 0.07% (stronger) | 0.20% |
| Return on assets | 1.07% (stronger) | 1.04% |
| Loans ÷ deposits | 72.7% | 37.7% (stronger) |
| Uninsured deposits | 31.2% | 3.2% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
St. Pats Employees Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Montana Bank, Inc. leads on 3 and St. Pats Employees Federal Credit Union on 4. 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.