Side-by-side · Q2 2026 data
1st State Bank vs Dow Credit Union
Metric by metric
| Measure | 1st State Bank | Dow Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 73 (stronger) | 51 |
| Loan quality | 88 | 90 (stronger) |
| Earnings | 74 (stronger) | 50 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 64th | 70th |
| Total assets | $490.1M | $2.6B |
| Deposits / shares | $428.8M | $2.3B |
| Capital ratio | 12.27% (stronger) | 10.07% |
| Problem loans | 0.35% | 0.29% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.44% |
| Return on assets | 1.35% (stronger) | 0.76% |
| Loans ÷ deposits | 74.2% | 52.4% (stronger) |
| Uninsured deposits | 43.4% | 8.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
1st State Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), 1st State Bank leads on 4 and Dow Credit Union on 3. 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.