Side-by-side · Q2 2026 data
Sky Federal Credit Union vs Southwest Montana Community Federal Credit Union
Credit union
Southwest Montana Community Federal Credit Union
Anaconda, Montana · $100 million – $1 billion
Metric by metric
| Measure | Sky Federal Credit Union | Southwest Montana Community Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 55 (stronger) |
| Capital cushion | 27 | 66 (stronger) |
| Loan quality | 66 (stronger) | 38 |
| Earnings | 32 (stronger) | 15 |
| Funding & liquidity | 89 | 98 (stronger) |
| Problem-loan coverage | 83 (stronger) | 82 |
| Peer percentile | 9th | 12th |
| Total assets | $197.3M | $203.3M |
| Deposits / shares | $177.1M | $182.7M |
| Capital ratio | 7.72% | 11.63% (stronger) |
| Problem loans | 1.02% (stronger) | 1.85% |
| Net charge-offs | 0.34% (stronger) | 0.96% |
| Return on assets | 0.30% (stronger) | -0.13% |
| Loans ÷ deposits | 71.2% | 62.2% (stronger) |
| Uninsured deposits | 3.6% (stronger) | 4.7% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Montana Community Federal Credit Union has the higher TellerScore (55 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Sky Federal Credit Union leads on 4 and Southwest Montana Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.