Side-by-side · Q2 2026 data
U.S. Bank National Association vs Northern Montana Hospital Federal Credit Union
Credit union
Northern Montana Hospital Federal Credit Union
Havre, Montana · Under $100 million in assets
Metric by metric
| Measure | U.S. Bank National Association | Northern Montana Hospital Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 73 (stronger) |
| Capital cushion | 45 | 67 (stronger) |
| Loan quality | 52 | 100 (stronger) |
| Earnings | 69 (stronger) | 12 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 6th | 47th |
| Total assets | $705.6B | $982K |
| Deposits / shares | $541.9B | $865K |
| Capital ratio | 9.49% | 11.69% (stronger) |
| Problem loans | 1.45% | 0.00% (stronger) |
| Net charge-offs | 0.54% | 0.00% (stronger) |
| Return on assets | 1.23% (stronger) | -0.19% |
| Loans ÷ deposits | 74.9% | 52.9% (stronger) |
| Uninsured deposits | 52.2% | 0.0% (stronger) |
| Offices | 2,076 | 1 |
| CFPB complaints (3 yrs) | 16,475 | — |
| Complaints per $1B deposits | 30.4 | — |
| Mortgage denial rate (HMDA) | 39.5% | — |
Northern Montana Hospital Federal Credit Union has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), U.S. Bank National Association leads on 1 and Northern Montana Hospital Federal 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.
Where both have branches
- Havre, MT