Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Sea Air Federal Credit Union
Metric by metric
| Measure | Capital Bank and Trust Company | Sea Air Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 64 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 98th | 31st |
| Total assets | $266.1M | $118.8M |
| Deposits / shares | $500K | $90.8M |
| Capital ratio | 79.26% (stronger) | 23.39% |
| Problem loans | 0.00% (stronger) | 1.87% |
| Net charge-offs | 0.00% (stronger) | 0.48% |
| Return on assets | 81.14% (stronger) | -0.69% |
| Loans ÷ deposits | 0.0% (stronger) | 49.6% |
| Uninsured deposits | 50.0% | 5.0% (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 Sea Air Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.