Side-by-side · Q2 2026 data
Columbus State Bank vs Lcra Credit Union
Metric by metric
| Measure | Columbus State Bank | Lcra Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 57 (stronger) | 34 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 90th | 72nd |
| Total assets | $326.5M | $20.2M |
| Deposits / shares | $281.0M | $17.0M |
| Capital ratio | 14.47% | 15.96% (stronger) |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.93% (stronger) | 0.34% |
| Loans ÷ deposits | 7.8% (stronger) | 40.4% |
| Uninsured deposits | 37.3% | 3.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Columbus State Bank has the higher TellerScore (86 vs 83). On the 6 directional measures above (where higher or lower is clearly better), Columbus State Bank leads on 4 and Lcra 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.