Side-by-side · Q2 2026 data
Chelsea State Bank vs Credit Union One
Metric by metric
| Measure | Chelsea State Bank | Credit Union One |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 78 (stronger) | 66 |
| Loan quality | 56 | 86 (stronger) |
| Earnings | 83 (stronger) | 67 |
| Funding & liquidity | 80 (stronger) | 78 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 61st | 79th |
| Total assets | $416.5M | $1.8B |
| Deposits / shares | $366.0M | $1.6B |
| Capital ratio | 12.76% (stronger) | 11.63% |
| Problem loans | 1.33% | 0.42% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.32% |
| Return on assets | 1.57% (stronger) | 1.18% |
| Loans ÷ deposits | 69.0% (stronger) | 82.5% |
| Uninsured deposits | 25.5% | 5.9% (stronger) |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.5% |
Credit Union One has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Chelsea State Bank leads on 4 and Credit Union One on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.