Side-by-side · Q2 2026 data
Commercial Bank vs Graco Federal Credit Union
Metric by metric
| Measure | Commercial Bank | Graco Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 59 (stronger) | 47 |
| Loan quality | 87 (stronger) | 81 |
| Earnings | 71 (stronger) | 65 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 61st | 44th |
| Total assets | $552.7M | $38.2M |
| Deposits / shares | $475.2M | $34.0M |
| Capital ratio | 10.89% (stronger) | 9.70% |
| Problem loans | 0.39% (stronger) | 0.58% |
| Net charge-offs | 0.01% (stronger) | 0.35% |
| Return on assets | 1.28% (stronger) | 1.11% |
| Loans ÷ deposits | 76.5% | 45.8% (stronger) |
| Uninsured deposits | 22.0% | 6.3% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | — |
Commercial Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 5 and Graco Federal 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.