Side-by-side · Q2 2026 data
S H P E Federal Credit Union vs Montell Federal Credit Union
Metric by metric
| Measure | S H P E Federal Credit Union | Montell Federal Credit Union |
|---|---|---|
| TellerScore | 33 | 66 (stronger) |
| Capital cushion | 25 | 100 (stronger) |
| Loan quality | 0 | 32 (stronger) |
| Earnings | 58 (stronger) | 57 |
| Funding & liquidity | 92 (stronger) | 50 |
| Problem-loan coverage | 0 | 86 (stronger) |
| Peer percentile | 2nd | 32nd |
| Total assets | $4.1M | $4.5M |
| Deposits / shares | $3.8M | $3.4M |
| Capital ratio | 7.49% | 24.40% (stronger) |
| Problem loans | 11.30% | 2.04% (stronger) |
| Net charge-offs | 1.68% | -0.79% (stronger) |
| Return on assets | 0.96% (stronger) | 0.94% |
| Loans ÷ deposits | 68.0% (stronger) | 117.1% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montell Federal Credit Union has the higher TellerScore (66 vs 33). On the 6 directional measures above (where higher or lower is clearly better), S H P E Federal Credit Union leads on 2 and Montell Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.