Side-by-side · Q2 2026 data
Southwest Montana Community Federal Credit Union vs Fergus Federal Credit Union
Credit union
Southwest Montana Community Federal Credit Union
Anaconda, Montana · $100 million – $1 billion
Metric by metric
| Measure | Southwest Montana Community Federal Credit Union | Fergus Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 87 (stronger) |
| Capital cushion | 66 | 91 (stronger) |
| Loan quality | 38 | 81 (stronger) |
| Earnings | 15 | 100 (stronger) |
| Funding & liquidity | 98 (stronger) | 67 |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 12th | 91st |
| Total assets | $203.3M | $117.5M |
| Deposits / shares | $182.7M | $100.4M |
| Capital ratio | 11.63% | 14.08% (stronger) |
| Problem loans | 1.85% | 0.56% (stronger) |
| Net charge-offs | 0.96% | -0.02% (stronger) |
| Return on assets | -0.13% | 2.00% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 92.8% |
| Uninsured deposits | 4.7% (stronger) | 8.1% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fergus Federal Credit Union has the higher TellerScore (87 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Southwest Montana Community Federal Credit Union leads on 2 and Fergus Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.