Side-by-side · Q2 2026 data
22nd State Banking Company vs Family Security Credit Union
Metric by metric
| Measure | 22nd State Banking Company | Family Security Credit Union |
|---|---|---|
| TellerScore | 41 | 95 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 40 | 99 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 62 | 97 (stronger) |
| Peer percentile | 3rd | 100th |
| Total assets | $292.2M | $1.1B |
| Deposits / shares | $241.9M | $876.5M |
| Capital ratio | 11.12% | 19.92% (stronger) |
| Problem loans | 3.39% | 0.61% (stronger) |
| Net charge-offs | 4.31% | 0.55% (stronger) |
| Return on assets | 0.51% | 1.98% (stronger) |
| Loans ÷ deposits | 87.9% | 47.7% (stronger) |
| Uninsured deposits | 30.4% | 2.9% (stronger) |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 37.5% |
Family Security Credit Union has the higher TellerScore (95 vs 41). On the 7 directional measures above (where higher or lower is clearly better), 22nd State Banking Company leads on 0 and Family Security Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.