Side-by-side · Q2 2026 data
Opportunity Bank of Montana vs Ravalli County Federal Credit Union
Credit union
Ravalli County Federal Credit Union
Hamilton, Montana · Under $100 million in assets
Metric by metric
| Measure | Opportunity Bank of Montana | Ravalli County Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 59 | 89 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 54 | 92 (stronger) |
| Funding & liquidity | 69 | 85 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 63rd | 92nd |
| Total assets | $2.1B | $89.4M |
| Deposits / shares | $1.8B | $75.7M |
| Capital ratio | 10.93% | 13.87% (stronger) |
| Problem loans | 0.26% | 0.02% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.31% |
| Return on assets | 0.85% | 1.80% (stronger) |
| Loans ÷ deposits | 86.2% | 75.6% (stronger) |
| Uninsured deposits | 19.9% | 3.3% (stronger) |
| Offices | 29 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Ravalli County Federal Credit Union has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Opportunity Bank of Montana leads on 1 and Ravalli County Federal Credit Union on 6. 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.