Side-by-side · Q2 2026 data
Charter Bank vs Affinity Credit Union
Metric by metric
| Measure | Charter Bank | Affinity Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 60 | 72 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 90 (stronger) | 46 |
| Funding & liquidity | 79 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 84th | 63rd |
| Total assets | $227.5M | $154.3M |
| Deposits / shares | $203.5M | $133.8M |
| Capital ratio | 11.03% | 12.15% (stronger) |
| Problem loans | 0.00% (stronger) | 0.35% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 1.75% (stronger) | 0.65% |
| Loans ÷ deposits | 80.8% (stronger) | 81.9% |
| Uninsured deposits | 13.1% | 7.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 20.4% |
Charter Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Charter Bank leads on 5 and Affinity Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.