Side-by-side · Q2 2026 data
Central Savings Bank vs Limestone Financial Credit Union
Credit union
Limestone Financial Credit Union
Manistique, Michigan · Under $100 million in assets
Metric by metric
| Measure | Central Savings Bank | Limestone Financial Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 45 | 57 (stronger) |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 49 | 71 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 57th | 30th |
| Total assets | $516.8M | $83.1M |
| Deposits / shares | $447.4M | $73.1M |
| Capital ratio | 9.54% | 10.73% (stronger) |
| Problem loans | 0.16% (stronger) | 0.55% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 2.04% (stronger) | 0.51% |
| Loans ÷ deposits | 76.8% (stronger) | 89.4% |
| Uninsured deposits | 45.6% | 5.2% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Savings Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Central Savings Bank leads on 5 and Limestone Financial Credit Union on 2. 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.