Side-by-side · Q2 2026 data
Opportunity Bank of Montana vs Sky Federal Credit Union
Metric by metric
| Measure | Opportunity Bank of Montana | Sky Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 53 |
| Capital cushion | 59 (stronger) | 27 |
| Loan quality | 91 (stronger) | 66 |
| Earnings | 54 (stronger) | 32 |
| Funding & liquidity | 69 | 89 (stronger) |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 63rd | 9th |
| Total assets | $2.1B | $197.3M |
| Deposits / shares | $1.8B | $177.1M |
| Capital ratio | 10.93% (stronger) | 7.72% |
| Problem loans | 0.26% (stronger) | 1.02% |
| Net charge-offs | 0.03% (stronger) | 0.34% |
| Return on assets | 0.85% (stronger) | 0.30% |
| Loans ÷ deposits | 86.2% | 71.2% (stronger) |
| Uninsured deposits | 19.9% | 3.6% (stronger) |
| Offices | 29 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Opportunity Bank of Montana has the higher TellerScore (71 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Opportunity Bank of Montana leads on 5 and Sky Federal Credit Union on 2. 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.
Where both have branches
- Bozeman, MT
- Big Timber, MT
- Livingston, MT