Side-by-side · Q2 2026 data
Chelsea State Bank vs South Central Credit Union
Metric by metric
| Measure | Chelsea State Bank | South Central Credit Union |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 78 | 92 (stronger) |
| Loan quality | 56 | 81 (stronger) |
| Earnings | 83 (stronger) | 26 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 61st | 59th |
| Total assets | $416.5M | $84.6M |
| Deposits / shares | $366.0M | $72.0M |
| Capital ratio | 12.76% | 14.20% (stronger) |
| Problem loans | 1.33% | 0.56% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.46% |
| Return on assets | 1.57% (stronger) | 0.16% |
| Loans ÷ deposits | 69.0% | 55.8% (stronger) |
| Uninsured deposits | 25.5% | 4.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central Credit Union has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Chelsea State Bank leads on 2 and South Central Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.