Side-by-side · Q2 2026 data
5Star Bank vs School District 3 Federal Credit Union
Credit union
School District 3 Federal Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | 5Star Bank | School District 3 Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 95 (stronger) | 54 |
| Funding & liquidity | 31 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 91st | 90th |
| Total assets | $378.2M | $36.0M |
| Deposits / shares | $312.1M | $30.2M |
| Capital ratio | 17.24% (stronger) | 15.70% |
| Problem loans | 0.16% | 0.00% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 1.86% (stronger) | 0.84% |
| Loans ÷ deposits | 96.1% | 55.0% (stronger) |
| Uninsured deposits | 45.1% | 3.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
School District 3 Federal Credit Union has the higher TellerScore (91 vs 87). On the 7 directional measures above (where higher or lower is clearly better), 5Star Bank leads on 2 and School District 3 Federal Credit Union on 5. 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.