Side-by-side · Q2 2026 data
Community State Bank vs Sca Federal Credit Union
Credit union
Sca Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Community State Bank | Sca Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 94 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 84 | 97 (stronger) |
| Earnings | 60 | 73 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 24th | 95th |
| Total assets | $553.6M | $17.4M |
| Deposits / shares | $502.3M | $14.2M |
| Capital ratio | 9.51% | 19.67% (stronger) |
| Problem loans | 0.48% | 0.09% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.00% | 1.34% (stronger) |
| Loans ÷ deposits | 78.5% | 49.1% (stronger) |
| Uninsured deposits | 44.5% | 1.9% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sca Federal Credit Union has the higher TellerScore (94 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 0 and Sca Federal Credit Union on 7. 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.