Side-by-side · Q2 2026 data
Chelsea State Bank vs True Community Credit Union
Metric by metric
| Measure | Chelsea State Bank | True Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 78 (stronger) | 66 |
| Loan quality | 56 (stronger) | 47 |
| Earnings | 83 (stronger) | 64 |
| Funding & liquidity | 80 (stronger) | 74 |
| Problem-loan coverage | 85 (stronger) | 79 |
| Peer percentile | 61st | 29th |
| Total assets | $416.5M | $955.0M |
| Deposits / shares | $366.0M | $836.1M |
| Capital ratio | 12.76% (stronger) | 11.58% |
| Problem loans | 1.33% (stronger) | 1.59% |
| Net charge-offs | -0.01% (stronger) | 1.20% |
| Return on assets | 1.57% (stronger) | 1.09% |
| Loans ÷ deposits | 69.0% (stronger) | 86.7% |
| Uninsured deposits | 25.5% | 1.4% (stronger) |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.1% |
Chelsea State Bank has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Chelsea State Bank leads on 6 and True Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.