This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Miles City, MT
Health score
67.1
Total assets
$43.2M
Credit union
Missoula, MT
Health score
84.8
Total assets
$35.3M
Answer first
COMMUNITY 1ST leads on capitalization; MONTANA EDUCATORS' leads on financial health and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
MONTANA EDUCATORS'
Higher TFS health score
Capitalization
COMMUNITY 1ST
Higher comparable capital ratio
Profitability
MONTANA EDUCATORS'
Higher return on assets
Lending quality
MONTANA EDUCATORS'
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | COMMUNITY 1ST | MONTANA EDUCATORS' |
|---|---|---|
| TFS health score | 67.1/100 | 84.8/100Leads |
| Total assets | $43.2M | $35.3M |
| Total deposits / shares | $37.6M | $31.7M |
| Net worth ratio | 11.14%Leads | 10.01% |
| Return on assets | 0.79% | 1.51%Leads |
| Return on equity | 7.05% | 15.14% |
COMMUNITY 1ST
2 branches
MONTANA EDUCATORS'
2 branches
Both institutions report branches in 1 state: MT.
COMMUNITY 1ST
Unavailable
MONTANA EDUCATORS'
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
COMMUNITY 1ST
0 in TFS registry
MONTANA EDUCATORS'
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | COMMUNITY 1ST score | COMMUNITY 1ST ROA | MONTANA EDUCATORS' score | MONTANA EDUCATORS' ROA |
|---|---|---|---|---|
| 2026-Q1 | 74.6/100 | 1.08% | 81.8/100 | 1.26% |
| 2026-Q2 | 67.1/100 | 0.79% | 84.8/100 | 1.51% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 1.60% | 0.38%Leads |
| Net charge-offs | 0.37% | 0.11%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 91.36% | 70.46% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |