Side-by-side · Q2 2026 data
St. Pats Employees Federal Credit Union vs Horizon Credit Union
Credit union
St. Pats Employees Federal Credit Union
Missoula, Montana · Under $100 million in assets
Metric by metric
| Measure | St. Pats Employees Federal Credit Union | Horizon Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 78 | 81 (stronger) |
| Loan quality | 67 | 91 (stronger) |
| Earnings | 62 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 57th | 75th |
| Total assets | $5.4M | $2.0B |
| Deposits / shares | $4.7M | $1.6B |
| Capital ratio | 12.83% | 13.08% (stronger) |
| Problem loans | 1.00% | 0.27% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.48% |
| Return on assets | 1.04% (stronger) | 0.64% |
| Loans ÷ deposits | 37.7% (stronger) | 98.9% |
| Uninsured deposits | 3.2% (stronger) | 8.1% |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Pats Employees Federal Credit Union has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), St. Pats Employees Federal Credit Union leads on 5 and Horizon Credit Union on 2. 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.