Side-by-side · Q2 2026 data
Montana Federal Credit Union vs 1st Liberty Federal Credit Union
Metric by metric
| Measure | Montana Federal Credit Union | 1st Liberty Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 75 | 94 (stronger) |
| Loan quality | 91 | 91 |
| Earnings | 59 (stronger) | 40 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 76th | 86th |
| Total assets | $361.5M | $214.2M |
| Deposits / shares | $316.7M | $182.4M |
| Capital ratio | 12.53% | 14.43% (stronger) |
| Problem loans | 0.26% (stronger) | 0.28% |
| Net charge-offs | 0.28% | 0.18% (stronger) |
| Return on assets | 0.99% (stronger) | 0.49% |
| Loans ÷ deposits | 78.3% | 51.3% (stronger) |
| Uninsured deposits | 5.3% | 4.1% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | — |
1st Liberty Federal Credit Union has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Montana Federal Credit Union leads on 2 and 1st Liberty Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.