Side-by-side · Q2 2026 data
Independence Bank vs Northern Montana Hospital Federal Credit Union
Credit union
Northern Montana Hospital Federal Credit Union
Havre, Montana · Under $100 million in assets
Metric by metric
| Measure | Independence Bank | Northern Montana Hospital Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 84 (stronger) | 67 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 97 (stronger) | 12 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 95th | 47th |
| Total assets | $1.4B | $982K |
| Deposits / shares | $1.2B | $865K |
| Capital ratio | 13.39% (stronger) | 11.69% |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.93% (stronger) | -0.19% |
| Loans ÷ deposits | 91.1% | 52.9% (stronger) |
| Uninsured deposits | 28.2% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Independence Bank has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 4 and Northern Montana Hospital Federal Credit Union on 3. 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
- Havre, MT