Side-by-side · Q2 2026 data
Benton County State Bank vs St. Ludmila S Credit Union
Metric by metric
| Measure | Benton County State Bank | St. Ludmila S Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 53 |
| Earnings | 59 | 69 (stronger) |
| Funding & liquidity | 71 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 84th | 62nd |
| Total assets | $50.8M | $372K |
| Deposits / shares | $38.4M | $260K |
| Capital ratio | 15.22% | 29.62% (stronger) |
| Problem loans | 0.00% (stronger) | 1.41% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.99% | 1.22% (stronger) |
| Loans ÷ deposits | 82.1% | 75.8% (stronger) |
| Uninsured deposits | 21.9% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Benton County State Bank has the higher TellerScore (87 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Benton County State Bank leads on 2 and St. Ludmila S Credit Union on 4. 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.