Side-by-side · Q2 2026 data
Belmont Savings Bank, SSB vs Members Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Belmont Savings Bank, SSB | Members Credit Union |
|---|---|---|
| TellerScore | 69 | 85 (stronger) |
| Capital cushion | 79 | 98 (stronger) |
| Loan quality | 88 (stronger) | 73 |
| Earnings | 38 | 62 (stronger) |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 40th | 87th |
| Total assets | $161.0M | $477.1M |
| Deposits / shares | $111.3M | $404.2M |
| Capital ratio | 12.88% | 14.83% (stronger) |
| Problem loans | 0.37% (stronger) | 0.82% |
| Net charge-offs | 0.00% (stronger) | 1.39% |
| Return on assets | 0.45% | 1.06% (stronger) |
| Loans ÷ deposits | 121.4% | 46.5% (stronger) |
| Uninsured deposits | 21.8% | 3.3% (stronger) |
| Offices | 1 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Belmont Savings Bank, SSB leads on 2 and Members Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.