Side-by-side · Q2 2026 data
Adams State Bank vs Membersown Credit Union
Metric by metric
| Measure | Adams State Bank | Membersown Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 97 (stronger) | 70 |
| Earnings | 84 (stronger) | 64 |
| Funding & liquidity | 70 | 87 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 90th | 78th |
| Total assets | $70.2M | $109.3M |
| Deposits / shares | $54.2M | $94.3M |
| Capital ratio | 16.62% (stronger) | 14.11% |
| Problem loans | 0.09% (stronger) | 0.91% |
| Net charge-offs | -0.01% (stronger) | 1.07% |
| Return on assets | 1.59% (stronger) | 1.10% |
| Loans ÷ deposits | 90.1% | 73.1% (stronger) |
| Uninsured deposits | 14.0% | 0.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Adams State Bank has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Adams State Bank leads on 5 and Membersown Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.