Side-by-side · Q2 2026 data
Opportunity Bank of Montana vs Intrepid Credit Union
Metric by metric
| Measure | Opportunity Bank of Montana | Intrepid Credit Union |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 59 | 61 (stronger) |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 54 (stronger) | 47 |
| Funding & liquidity | 69 | 81 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 63rd | 54th |
| Total assets | $2.1B | $310.8M |
| Deposits / shares | $1.8B | $268.6M |
| Capital ratio | 10.93% | 11.06% (stronger) |
| Problem loans | 0.26% (stronger) | 0.44% |
| Net charge-offs | 0.03% (stronger) | 0.27% |
| Return on assets | 0.85% (stronger) | 0.68% |
| Loans ÷ deposits | 86.2% | 79.2% (stronger) |
| Uninsured deposits | 19.9% | 0.0% (stronger) |
| Offices | 29 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 15.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Opportunity Bank of Montana leads on 3 and Intrepid Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.