Side-by-side · Q2 2026 data
Community Bank and Trust vs Legacy Credit Union
Metric by metric
| Measure | Community Bank and Trust | Legacy Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 96 (stronger) | 47 |
| Earnings | 65 | 79 (stronger) |
| Funding & liquidity | 99 (stronger) | 88 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 50th | 65th |
| Total assets | $445.1M | $25.4M |
| Deposits / shares | $394.4M | $20.8M |
| Capital ratio | 8.37% | 17.47% (stronger) |
| Problem loans | 0.13% (stronger) | 1.60% |
| Net charge-offs | 0.04% (stronger) | 0.27% |
| Return on assets | 1.12% | 1.47% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 72.2% |
| Uninsured deposits | 16.1% | 2.2% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Legacy Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Community Bank and Trust leads on 3 and Legacy Credit Union on 4. 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.