Side-by-side · Q2 2026 data
Monterra Credit Union vs Lbs Financial Credit Union
Metric by metric
| Measure | Monterra Credit Union | Lbs Financial Credit Union |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 80 | 81 (stronger) |
| Loan quality | 83 (stronger) | 80 |
| Earnings | 59 (stronger) | 50 |
| Funding & liquidity | 69 | 99 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 79th | 86th |
| Total assets | $1.9B | $2.2B |
| Deposits / shares | $1.7B | $1.9B |
| Capital ratio | 13.01% | 13.11% (stronger) |
| Problem loans | 0.50% (stronger) | 0.61% |
| Net charge-offs | 0.15% (stronger) | 0.79% |
| Return on assets | 0.97% (stronger) | 0.74% |
| Loans ÷ deposits | 91.5% | 61.5% (stronger) |
| Uninsured deposits | 6.9% (stronger) | 14.2% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lbs Financial Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Monterra Credit Union leads on 4 and Lbs Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.