Side-by-side · Q2 2026 data
Commerce Bank vs Laredo Federal Credit Union
Metric by metric
| Measure | Commerce Bank | Laredo Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 75 |
| Capital cushion | 73 (stronger) | 63 |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 92 (stronger) | 50 |
| Funding & liquidity | 80 | 97 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 91st | 66th |
| Total assets | $762.5M | $136.6M |
| Deposits / shares | $664.5M | $125.6M |
| Capital ratio | 12.28% (stronger) | 11.31% |
| Problem loans | 0.03% (stronger) | 0.35% |
| Net charge-offs | 0.16% (stronger) | 0.35% |
| Return on assets | 1.81% (stronger) | 0.75% |
| Loans ÷ deposits | 28.9% (stronger) | 62.9% |
| Uninsured deposits | 33.1% | 2.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
Commerce Bank has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank leads on 6 and Laredo Federal Credit Union on 1. 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.