Side-by-side · Q2 2026 data
Russell Country Federal Credit Union vs Clearwater Federal Credit Union
Credit union
Russell Country Federal Credit Union
Great Falls, Montana · $100 million – $1 billion
Metric by metric
| Measure | Russell Country Federal Credit Union | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 76 (stronger) |
| Capital cushion | 26 | 78 (stronger) |
| Loan quality | 63 | 78 (stronger) |
| Earnings | 27 | 65 (stronger) |
| Funding & liquidity | 73 (stronger) | 71 |
| Problem-loan coverage | 76 | 92 (stronger) |
| Peer percentile | 4th | 79th |
| Total assets | $131.1M | $1.2B |
| Deposits / shares | $120.7M | $945.2M |
| Capital ratio | 7.60% | 12.83% (stronger) |
| Problem loans | 1.12% | 0.67% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.34% |
| Return on assets | 0.17% | 1.12% (stronger) |
| Loans ÷ deposits | 87.6% (stronger) | 89.2% |
| Uninsured deposits | 5.2% (stronger) | 5.9% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 22.9% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Russell Country Federal Credit Union leads on 3 and Clearwater Federal Credit Union on 4. 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.