Side-by-side · Q2 2026 data
Community State Bank vs Serve Credit Union
Metric by metric
| Measure | Community State Bank | Serve Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 94 (stronger) | 73 |
| Earnings | 74 | 78 (stronger) |
| Funding & liquidity | 52 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 80th | 86th |
| Total assets | $1.7B | $101.3M |
| Deposits / shares | $1.3B | $82.2M |
| Capital ratio | 11.67% | 18.08% (stronger) |
| Problem loans | 0.19% (stronger) | 0.81% |
| Net charge-offs | -0.01% (stronger) | 0.21% |
| Return on assets | 1.34% | 1.44% (stronger) |
| Loans ÷ deposits | 101.2% | 87.2% (stronger) |
| Uninsured deposits | 21.7% | 2.6% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 12.1% |
Serve Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 2 and Serve Credit Union on 5. 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.