Side-by-side · Q2 2026 data
Community Financial Services Bank vs Main Impact Federal Credit Union
Metric by metric
| Measure | Community Financial Services Bank | Main Impact Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 86 | 99 (stronger) |
| Earnings | 61 (stronger) | 45 |
| Funding & liquidity | 75 | 91 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 58th | 49th |
| Total assets | $1.4B | $23.3M |
| Deposits / shares | $1.2B | $20.8M |
| Capital ratio | 10.33% | 10.47% (stronger) |
| Problem loans | 0.42% | 0.03% (stronger) |
| Net charge-offs | 0.23% | 0.16% (stronger) |
| Return on assets | 1.04% (stronger) | 0.63% |
| Loans ÷ deposits | 78.7% | 68.8% (stronger) |
| Uninsured deposits | 21.3% | 2.1% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
Main Impact Federal Credit Union has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community Financial Services Bank leads on 1 and Main Impact Federal Credit Union on 6. 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.