Side-by-side · Q2 2026 data
TrailWest Bank vs Montana Educators' Credit Union
Metric by metric
| Measure | TrailWest Bank | Montana Educators' Credit Union |
|---|---|---|
| TellerScore | 50 | 76 (stronger) |
| Capital cushion | 36 | 50 (stronger) |
| Loan quality | 39 | 87 (stronger) |
| Earnings | 90 (stronger) | 81 |
| Funding & liquidity | 28 | 90 (stronger) |
| Problem-loan coverage | 69 | 95 (stronger) |
| Peer percentile | 7th | 54th |
| Total assets | $1.1B | $35.3M |
| Deposits / shares | $860.2M | $31.7M |
| Capital ratio | 8.62% | 10.01% (stronger) |
| Problem loans | 1.82% | 0.38% (stronger) |
| Net charge-offs | 0.16% | 0.11% (stronger) |
| Return on assets | 1.76% (stronger) | 1.51% |
| Loans ÷ deposits | 102.7% | 70.5% (stronger) |
| Uninsured deposits | 41.9% | 3.0% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | — |
Montana Educators' 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 1 and Montana Educators' Credit Union on 6. 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.