Side-by-side · Q2 2026 data
Independence Bank vs Wolf Point Federal Credit Union
Credit union
Wolf Point Federal Credit Union
Wolf Point, Montana · Under $100 million in assets
Metric by metric
| Measure | Independence Bank | Wolf Point Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 68 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 85 (stronger) | 49 |
| Earnings | 97 (stronger) | 14 |
| Funding & liquidity | 55 | 94 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 95th | 36th |
| Total assets | $1.4B | $23.3M |
| Deposits / shares | $1.2B | $18.7M |
| Capital ratio | 13.39% | 17.19% (stronger) |
| Problem loans | 0.46% (stronger) | 1.54% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.93% (stronger) | -0.16% |
| Loans ÷ deposits | 91.1% | 59.5% (stronger) |
| Uninsured deposits | 28.2% | 21.1% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Independence Bank has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 4 and Wolf Point 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
- Glasgow, MT
- Wolf Point, MT