Side-by-side · Q2 2026 data
Horizon Credit Union vs Montana Educators' Credit Union
Metric by metric
| Measure | Horizon Credit Union | Montana Educators' Credit Union |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 81 (stronger) | 50 |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 46 | 81 (stronger) |
| Funding & liquidity | 61 | 90 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 75th | 54th |
| Total assets | $2.0B | $35.3M |
| Deposits / shares | $1.6B | $31.7M |
| Capital ratio | 13.08% (stronger) | 10.01% |
| Problem loans | 0.27% (stronger) | 0.38% |
| Net charge-offs | 0.48% | 0.11% (stronger) |
| Return on assets | 0.64% | 1.51% (stronger) |
| Loans ÷ deposits | 98.9% | 70.5% (stronger) |
| Uninsured deposits | 8.1% | 3.0% (stronger) |
| Offices | 27 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montana Educators' Credit Union has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Horizon Credit Union leads on 2 and Montana Educators' Credit Union on 5. 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.