Side-by-side · Q2 2026 data
Bath State Bank vs Wayne County Federal Credit Union
Credit union
Wayne County Federal Credit Union
Richmond, Indiana · Under $100 million in assets
Metric by metric
| Measure | Bath State Bank | Wayne County Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 89 (stronger) |
| Capital cushion | 38 | 93 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 60 (stronger) | 53 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 19th | 87th |
| Total assets | $337.6M | $13.5M |
| Deposits / shares | $283.9M | $11.5M |
| Capital ratio | 8.82% | 14.28% (stronger) |
| Problem loans | 0.78% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.01% (stronger) | 0.82% |
| Loans ÷ deposits | 88.5% | 41.6% (stronger) |
| Uninsured deposits | 23.1% | 0.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Wayne County Federal Credit Union has the higher TellerScore (89 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bath State Bank leads on 1 and Wayne County Federal Credit Union on 6. 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.