Side-by-side · Q2 2026 data
Three Rivers Bank of Montana vs Whitefish Credit Union Association
Metric by metric
| Measure | Three Rivers Bank of Montana | Whitefish Credit Union Association |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 67 | 77 (stronger) |
| Loan quality | 69 | 95 (stronger) |
| Earnings | 76 (stronger) | 37 |
| Funding & liquidity | 62 | 80 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 47th | 79th |
| Total assets | $293.1M | $2.1B |
| Deposits / shares | $257.9M | $1.8B |
| Capital ratio | 11.72% | 12.70% (stronger) |
| Problem loans | 0.93% | 0.15% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.40% (stronger) | 0.43% |
| Loans ÷ deposits | 95.0% | 80.0% (stronger) |
| Uninsured deposits | 18.1% | 11.9% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitefish Credit Union Association has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Three Rivers Bank of Montana leads on 2 and Whitefish Credit Union Association 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.