Side-by-side · Q2 2026 data
Montana Federal Credit Union vs Valley Financial Credit Union
Metric by metric
| Measure | Montana Federal Credit Union | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 75 (stronger) | 57 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 59 (stronger) | 54 |
| Funding & liquidity | 82 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 76th | 54th |
| Total assets | $361.5M | $600.9M |
| Deposits / shares | $316.7M | $531.0M |
| Capital ratio | 12.53% (stronger) | 10.68% |
| Problem loans | 0.26% | 0.25% (stronger) |
| Net charge-offs | 0.28% (stronger) | 0.36% |
| Return on assets | 0.99% (stronger) | 0.84% |
| Loans ÷ deposits | 78.3% (stronger) | 87.5% |
| Uninsured deposits | 5.3% (stronger) | 7.1% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | 23.6% |
Montana Federal Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Montana Federal Credit Union leads on 6 and Valley Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.