Side-by-side · Q2 2026 data
Community Bank and Trust Company vs Members Community Credit Union
Metric by metric
| Measure | Community Bank and Trust Company | Members Community Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 33 | 75 (stronger) |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 85 (stronger) | 68 |
| Funding & liquidity | 80 | 86 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 53rd | 70th |
| Total assets | $303.5M | $99.2M |
| Deposits / shares | $280.3M | $83.0M |
| Capital ratio | 8.28% | 12.48% (stronger) |
| Problem loans | 0.08% (stronger) | 0.25% |
| Net charge-offs | 0.02% (stronger) | 0.23% |
| Return on assets | 1.62% (stronger) | 1.21% |
| Loans ÷ deposits | 68.8% (stronger) | 73.8% |
| Uninsured deposits | 25.1% | 3.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Community Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Community Bank and Trust Company leads on 4 and Members Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.