Side-by-side · Q2 2026 data
Froid Federal Credit Union 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 | Froid Federal Credit Union | St. Pats Employees Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 70 | 78 (stronger) |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 83 (stronger) | 62 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 80th | 57th |
| Total assets | $1.3M | $5.4M |
| Deposits / shares | $1.1M | $4.7M |
| Capital ratio | 11.96% | 12.83% (stronger) |
| Problem loans | 0.00% (stronger) | 1.00% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.58% (stronger) | 1.04% |
| Loans ÷ deposits | 72.4% | 37.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.2% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Froid Federal Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Froid Federal Credit Union leads on 5 and St. Pats Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.