Side-by-side · Q2 2026 data
Chelsea Savings Bank vs St. Ludmila S Credit Union
Metric by metric
| Measure | Chelsea Savings Bank | St. Ludmila S Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 53 |
| Earnings | 90 (stronger) | 69 |
| Funding & liquidity | 84 | 84 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 98th | 62nd |
| Total assets | $196.9M | $372K |
| Deposits / shares | $173.8M | $260K |
| Capital ratio | 16.01% | 29.62% (stronger) |
| Problem loans | 0.24% (stronger) | 1.41% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.75% (stronger) | 1.22% |
| Loans ÷ deposits | 48.2% (stronger) | 75.8% |
| Uninsured deposits | 29.8% | 0.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Chelsea Savings Bank has the higher TellerScore (93 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Chelsea Savings Bank leads on 4 and St. Ludmila S 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.