Side-by-side · Q2 2026 data
Chippewa Valley Bank vs Ladysmith Federal Savings and Loan Association
Bank
Ladysmith Federal Savings and Loan Association
Ladysmith, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Chippewa Valley Bank | Ladysmith Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 74 (stronger) | 45 |
| Capital cushion | 37 | 42 (stronger) |
| Loan quality | 93 (stronger) | 32 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 65 (stronger) | 60 |
| Problem-loan coverage | 97 (stronger) | 64 |
| Peer percentile | 57th | 6th |
| Total assets | $735.8M | $93.2M |
| Deposits / shares | $559.0M | $72.3M |
| Capital ratio | 8.74% | 9.18% (stronger) |
| Problem loans | 0.22% (stronger) | 2.03% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 2.05% (stronger) | 0.57% |
| Loans ÷ deposits | 94.7% (stronger) | 99.9% |
| Uninsured deposits | 15.4% | 4.6% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Chippewa Valley Bank has the higher TellerScore (74 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Chippewa Valley Bank leads on 5 and Ladysmith Federal Savings and Loan Association 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.