Side-by-side · Q2 2026 data
Black Mountain Savings Bank, SSB vs Arcade Credit Union
Bank
Black Mountain Savings Bank, SSB
Black Mountain, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Black Mountain Savings Bank, SSB | Arcade Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 70 | 94 (stronger) |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 12 | 42 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 42nd | 65th |
| Total assets | $43.0M | $7.8M |
| Deposits / shares | $37.7M | $6.7M |
| Capital ratio | 11.99% | 14.42% (stronger) |
| Problem loans | 0.00% (stronger) | 0.70% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | -0.21% | 0.56% (stronger) |
| Loans ÷ deposits | 74.7% | 54.8% (stronger) |
| Uninsured deposits | 10.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arcade Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Black Mountain Savings Bank, SSB leads on 1 and Arcade 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.