Side-by-side · Q2 2026 data
Glacier Bank vs St. Michaels Federal Credit Union
Credit union
St. Michaels Federal Credit Union
Craig, Colorado · Under $100 million in assets
Metric by metric
| Measure | Glacier Bank | St. Michaels Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 51 | 75 (stronger) |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 68 | 95 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 66th | 80th |
| Total assets | $31.6B | $1.0M |
| Deposits / shares | $24.9B | $894K |
| Capital ratio | 10.10% | 12.48% (stronger) |
| Problem loans | 0.42% (stronger) | 0.61% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.20% | 1.88% (stronger) |
| Loans ÷ deposits | 85.1% | 45.8% (stronger) |
| Uninsured deposits | 34.0% | 0.0% (stronger) |
| Offices | 236 | 1 |
| CFPB complaints (3 yrs) | 71 | — |
| Complaints per $1B deposits | 2.9 | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
St. Michaels Federal Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Glacier Bank leads on 1 and St. Michaels Federal Credit Union on 6. 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
- Craig, CO