Side-by-side · Q2 2026 data
Montana Federal Credit Union vs Clearwater Federal Credit Union
Metric by metric
| Measure | Montana Federal Credit Union | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 75 | 78 (stronger) |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 59 | 65 (stronger) |
| Funding & liquidity | 82 (stronger) | 71 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 76th | 79th |
| Total assets | $361.5M | $1.2B |
| Deposits / shares | $316.7M | $945.2M |
| Capital ratio | 12.53% | 12.83% (stronger) |
| Problem loans | 0.26% (stronger) | 0.67% |
| Net charge-offs | 0.28% (stronger) | 0.34% |
| Return on assets | 0.99% | 1.12% (stronger) |
| Loans ÷ deposits | 78.3% (stronger) | 89.2% |
| Uninsured deposits | 5.3% (stronger) | 5.9% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | 22.9% |
Montana Federal Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Montana Federal Credit Union leads on 5 and Clearwater Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.