Side-by-side · Q2 2026 data
Southwest Montana Community Federal Credit Union vs Lincoln County 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 | Lincoln County Credit Union |
|---|---|---|
| TellerScore | 55 | 98 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 38 | 93 (stronger) |
| Earnings | 15 | 100 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 12th | 100th |
| Total assets | $203.3M | $186.6M |
| Deposits / shares | $182.7M | $146.2M |
| Capital ratio | 11.63% | 21.61% (stronger) |
| Problem loans | 1.85% | 0.22% (stronger) |
| Net charge-offs | 0.96% | 0.11% (stronger) |
| Return on assets | -0.13% | 2.11% (stronger) |
| Loans ÷ deposits | 62.2% | 42.1% (stronger) |
| Uninsured deposits | 4.7% (stronger) | 5.9% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lincoln County Credit Union has the higher TellerScore (98 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Southwest Montana Community Federal Credit Union leads on 1 and Lincoln County Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.