Side-by-side · Q2 2026 data
Freedom Bank vs Whitefish Credit Union Association
Metric by metric
| Measure | Freedom Bank | Whitefish Credit Union Association |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 72 | 77 (stronger) |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 94 (stronger) | 37 |
| Funding & liquidity | 51 | 80 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 72nd | 79th |
| Total assets | $157.3M | $2.1B |
| Deposits / shares | $138.8M | $1.8B |
| Capital ratio | 12.25% | 12.70% (stronger) |
| Problem loans | 0.54% | 0.15% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.84% (stronger) | 0.43% |
| Loans ÷ deposits | 98.3% | 80.0% (stronger) |
| Uninsured deposits | 24.7% | 11.9% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 3 and Whitefish Credit Union Association 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.
Where both have branches
- Columbia Falls, MT