Side-by-side · Q2 2026 data
Commercial State Bank, of Wagner vs Explorers Federal Credit Union
Metric by metric
| Measure | Commercial State Bank, of Wagner | Explorers Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 68 (stronger) | 46 |
| Loan quality | 24 | 84 (stronger) |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 77 | 91 (stronger) |
| Problem-loan coverage | 77 | 94 (stronger) |
| Peer percentile | 31st | 34th |
| Total assets | $260.4M | $111.5M |
| Deposits / shares | $218.8M | $100.0M |
| Capital ratio | 11.82% (stronger) | 9.63% |
| Problem loans | 2.29% | 0.49% (stronger) |
| Net charge-offs | -0.63% (stronger) | -0.01% |
| Return on assets | 2.57% (stronger) | 0.41% |
| Loans ÷ deposits | 70.2% | 69.2% (stronger) |
| Uninsured deposits | 26.8% | 1.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial State Bank, of Wagner has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank, of Wagner leads on 4 and Explorers Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.