Side-by-side · Q2 2026 data
Tricounty Federal Credit Union vs St. Pats Employees Federal Credit Union
Credit union
St. Pats Employees Federal Credit Union
Missoula, Montana · Under $100 million in assets
Metric by metric
| Measure | Tricounty Federal Credit Union | St. Pats Employees Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 0 | 62 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 32nd | 57th |
| Total assets | $1.7M | $5.4M |
| Deposits / shares | $1.6M | $4.7M |
| Capital ratio | 10.17% | 12.83% (stronger) |
| Problem loans | 0.00% (stronger) | 1.00% |
| Net charge-offs | 0.52% | 0.20% (stronger) |
| Return on assets | -0.91% | 1.04% (stronger) |
| Loans ÷ deposits | 54.4% | 37.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Pats Employees Federal Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Tricounty Federal Credit Union leads on 2 and St. Pats Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.