Side-by-side · Q2 2026 data
Northwestern Energy Employees Federal Credit Union vs Vocal Credit Union
Credit union
Northwestern Energy Employees Federal Credit Union
Butte, Montana · Under $100 million in assets
Metric by metric
| Measure | Northwestern Energy Employees Federal Credit Union | Vocal Credit Union |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 59 | 82 (stronger) |
| Loan quality | 96 (stronger) | 87 |
| Earnings | 44 | 66 (stronger) |
| Funding & liquidity | 75 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 44th | 70th |
| Total assets | $35.3M | $52.6M |
| Deposits / shares | $31.1M | $45.2M |
| Capital ratio | 10.86% | 13.19% (stronger) |
| Problem loans | 0.12% (stronger) | 0.40% |
| Net charge-offs | 0.04% (stronger) | 0.19% |
| Return on assets | 0.59% | 1.16% (stronger) |
| Loans ÷ deposits | 85.3% | 72.3% (stronger) |
| Uninsured deposits | 0.8% (stronger) | 1.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vocal Credit Union has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Northwestern Energy Employees Federal Credit Union leads on 3 and Vocal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.