Side-by-side · Q2 2026 data
Banner Bank vs St Joe Valley Credit Union
Metric by metric
| Measure | Banner Bank | St Joe Valley Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 62 | 66 (stronger) |
| Loan quality | 85 (stronger) | 80 |
| Earnings | 72 | 78 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 79th | 65th |
| Total assets | $16.6B | $14.0M |
| Deposits / shares | $13.9B | $12.3M |
| Capital ratio | 11.15% | 11.62% (stronger) |
| Problem loans | 0.46% (stronger) | 0.59% |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 1.31% | 1.45% (stronger) |
| Loans ÷ deposits | 85.4% | 54.3% (stronger) |
| Uninsured deposits | 32.5% | 0.0% (stronger) |
| Offices | 154 | 1 |
| CFPB complaints (3 yrs) | 65 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 35.6% | — |
St Joe Valley Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Banner Bank leads on 2 and St Joe Valley 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.