Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Rancho Federal Credit Union
Metric by metric
| Measure | Capital Bank and Trust Company | Rancho Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 98th | 31st |
| Total assets | $266.1M | $108.8M |
| Deposits / shares | $500K | $99.7M |
| Capital ratio | 79.26% (stronger) | 8.64% |
| Problem loans | 0.00% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 81.14% (stronger) | 0.47% |
| Loans ÷ deposits | 0.0% (stronger) | 60.6% |
| Uninsured deposits | 50.0% | 3.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 6 and Rancho Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.