Side-by-side · Q2 2026 data
St. Pats Employees Federal Credit Union vs The Morning Star Federal Credit Union
Credit union
St. Pats Employees Federal Credit Union
Missoula, Montana · Under $100 million in assets
Credit union
The Morning Star Federal Credit Union
Lame Deer, Montana · Under $100 million in assets
Metric by metric
| Measure | St. Pats Employees Federal Credit Union | The Morning Star Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 47 |
| Capital cushion | 78 (stronger) | 49 |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 62 (stronger) | 45 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 57th | 7th |
| Total assets | $5.4M | $2.2M |
| Deposits / shares | $4.7M | $1.8M |
| Capital ratio | 12.83% (stronger) | 9.88% |
| Problem loans | 1.00% (stronger) | 5.89% |
| Net charge-offs | 0.20% (stronger) | 11.87% |
| Return on assets | 1.04% (stronger) | 0.63% |
| Loans ÷ deposits | 37.7% | 17.9% (stronger) |
| Uninsured deposits | 3.2% | 0.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Pats Employees Federal Credit Union has the higher TellerScore (77 vs 47). On the 7 directional measures above (where higher or lower is clearly better), St. Pats Employees Federal Credit Union leads on 5 and The Morning Star Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.