Side-by-side · Q2 2026 data
Opportunity Bank of Montana vs Valley Financial Credit Union
Metric by metric
| Measure | Opportunity Bank of Montana | Valley Financial Credit Union |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 59 (stronger) | 57 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 54 | 54 |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 63rd | 54th |
| Total assets | $2.1B | $600.9M |
| Deposits / shares | $1.8B | $531.0M |
| Capital ratio | 10.93% (stronger) | 10.68% |
| Problem loans | 0.26% | 0.25% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.36% |
| Return on assets | 0.85% (stronger) | 0.84% |
| Loans ÷ deposits | 86.2% (stronger) | 87.5% |
| Uninsured deposits | 19.9% | 7.1% (stronger) |
| Offices | 29 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 23.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Opportunity Bank of Montana leads on 4 and Valley Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.