Side-by-side · Q2 2026 data
Community Bank and Trust vs Service 1 Federal Credit Union
Metric by metric
| Measure | Community Bank and Trust | Service 1 Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 65 | 83 (stronger) |
| Funding & liquidity | 99 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 50th | 94th |
| Total assets | $445.1M | $198.5M |
| Deposits / shares | $394.4M | $160.8M |
| Capital ratio | 8.37% | 18.56% (stronger) |
| Problem loans | 0.13% (stronger) | 0.42% |
| Net charge-offs | 0.04% (stronger) | 0.52% |
| Return on assets | 1.12% | 1.58% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 87.3% |
| Uninsured deposits | 16.1% | 4.3% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Community Bank and Trust leads on 3 and Service 1 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.