Side-by-side · Q2 2026 data
Ascent Bank vs Clearwater Federal Credit Union
Metric by metric
| Measure | Ascent Bank | Clearwater Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 76 (stronger) |
| Capital cushion | 37 | 78 (stronger) |
| Loan quality | 16 | 78 (stronger) |
| Earnings | 70 (stronger) | 65 |
| Funding & liquidity | 72 (stronger) | 71 |
| Problem-loan coverage | 61 | 92 (stronger) |
| Peer percentile | 5th | 79th |
| Total assets | $104.1M | $1.2B |
| Deposits / shares | $92.4M | $945.2M |
| Capital ratio | 8.69% | 12.83% (stronger) |
| Problem loans | 2.51% | 0.67% (stronger) |
| Net charge-offs | 0.47% | 0.34% (stronger) |
| Return on assets | 1.24% (stronger) | 1.12% |
| Loans ÷ deposits | 88.1% (stronger) | 89.2% |
| Uninsured deposits | 14.1% | 5.9% (stronger) |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 22.9% |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Ascent Bank leads on 2 and Clearwater 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.