Side-by-side · Q2 2026 data
Commercial Bank vs Co - Lib Credit Union
Metric by metric
| Measure | Commercial Bank | Co - Lib Credit Union |
|---|---|---|
| TellerScore | 51 | 91 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 67 | 73 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 77 | 94 (stronger) |
| Peer percentile | 8th | 90th |
| Total assets | $282.9M | $1.4M |
| Deposits / shares | $246.5M | $1.2M |
| Capital ratio | 7.93% | 15.46% (stronger) |
| Problem loans | 1.00% | 0.82% (stronger) |
| Net charge-offs | 0.16% | -0.22% (stronger) |
| Return on assets | 0.46% | 4.01% (stronger) |
| Loans ÷ deposits | 79.5% | 70.1% (stronger) |
| Uninsured deposits | 28.2% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Co - Lib Credit Union has the higher TellerScore (91 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 0 and Co - Lib Credit Union on 7. 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.