Side-by-side · Q2 2026 data
M D U Employees Federal Credit Union vs St. Pats Employees Federal Credit Union
Credit union
M D U Employees Federal Credit Union
Glendive, Montana · Under $100 million in assets
Credit union
St. Pats Employees Federal Credit Union
Missoula, Montana · Under $100 million in assets
Metric by metric
| Measure | M D U Employees Federal Credit Union | St. Pats Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 33 | 62 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 75th | 57th |
| Total assets | $4.0M | $5.4M |
| Deposits / shares | $3.3M | $4.7M |
| Capital ratio | 17.23% (stronger) | 12.83% |
| Problem loans | 0.00% (stronger) | 1.00% |
| Net charge-offs | 0.34% | 0.20% (stronger) |
| Return on assets | 0.33% | 1.04% (stronger) |
| Loans ÷ deposits | 77.9% | 37.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M D U Employees Federal Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), M D U Employees Federal Credit Union leads on 4 and St. Pats Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.