Side-by-side · Q2 2026 data
TrailWest Bank vs Clearwater Federal Credit Union
Metric by metric
| Measure | TrailWest Bank | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 76 (stronger) |
| Capital cushion | 36 | 78 (stronger) |
| Loan quality | 39 | 78 (stronger) |
| Earnings | 90 (stronger) | 65 |
| Funding & liquidity | 28 | 71 (stronger) |
| Problem-loan coverage | 69 | 92 (stronger) |
| Peer percentile | 7th | 79th |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $860.2M | $945.2M |
| Capital ratio | 8.62% | 12.83% (stronger) |
| Problem loans | 1.82% | 0.67% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.34% |
| Return on assets | 1.76% (stronger) | 1.12% |
| Loans ÷ deposits | 102.7% | 89.2% (stronger) |
| Uninsured deposits | 41.9% | 5.9% (stronger) |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 22.9% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 50). On the 7 directional measures above (where higher or lower is clearly better), TrailWest Bank leads on 2 and Clearwater Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Missoula, MT
- Stevensville, MT