Side-by-side · Q2 2026 data
Stockman Bank of Montana vs Ravalli County Federal Credit Union
Credit union
Ravalli County Federal Credit Union
Hamilton, Montana · Under $100 million in assets
Metric by metric
| Measure | Stockman Bank of Montana | Ravalli County Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 49 | 89 (stronger) |
| Loan quality | 80 | 99 (stronger) |
| Earnings | 96 (stronger) | 92 |
| Funding & liquidity | 49 | 85 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 63rd | 92nd |
| Total assets | $7.7B | $89.4M |
| Deposits / shares | $6.2B | $75.7M |
| Capital ratio | 9.89% | 13.87% (stronger) |
| Problem loans | 0.60% | 0.02% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.31% |
| Return on assets | 1.91% (stronger) | 1.80% |
| Loans ÷ deposits | 82.9% | 75.6% (stronger) |
| Uninsured deposits | 40.1% | 3.3% (stronger) |
| Offices | 45 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Ravalli County Federal Credit Union has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Stockman Bank of Montana leads on 2 and Ravalli County Federal Credit Union on 5. 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.