Side-by-side · Q2 2026 data
Independence Bank vs Montana Federal Credit Union
Metric by metric
| Measure | Independence Bank | Montana Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 79 |
| Capital cushion | 84 (stronger) | 75 |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 97 (stronger) | 59 |
| Funding & liquidity | 55 | 82 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 95th | 76th |
| Total assets | $1.4B | $361.5M |
| Deposits / shares | $1.2B | $316.7M |
| Capital ratio | 13.39% (stronger) | 12.53% |
| Problem loans | 0.46% | 0.26% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.28% |
| Return on assets | 1.93% (stronger) | 0.99% |
| Loans ÷ deposits | 91.1% | 78.3% (stronger) |
| Uninsured deposits | 28.2% | 5.3% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 11.8% |
Independence Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 4 and Montana Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.