Side-by-side · Q2 2026 data
1st State Bank vs Elga Credit Union
Metric by metric
| Measure | 1st State Bank | Elga Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 88 (stronger) | 54 |
| Earnings | 74 (stronger) | 59 |
| Funding & liquidity | 55 | 72 (stronger) |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 64th | 75th |
| Total assets | $490.1M | $2.5B |
| Deposits / shares | $428.8M | $2.0B |
| Capital ratio | 12.27% | 17.80% (stronger) |
| Problem loans | 0.35% (stronger) | 1.38% |
| Net charge-offs | 0.22% (stronger) | 0.70% |
| Return on assets | 1.35% (stronger) | 0.98% |
| Loans ÷ deposits | 74.2% (stronger) | 79.4% |
| Uninsured deposits | 43.4% | 23.2% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
1st State Bank has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), 1st State Bank leads on 5 and Elga Credit Union on 2. 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.