Side-by-side · Q2 2026 data
Community State Bank vs Financial Builders Federal Credit Union
Credit union
Financial Builders Federal Credit Union
Kokomo, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Community State Bank | Financial Builders Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 55 | 75 (stronger) |
| Loan quality | 88 (stronger) | 72 |
| Earnings | 45 | 58 (stronger) |
| Funding & liquidity | 89 | 89 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 43rd | 66th |
| Total assets | $175.9M | $151.5M |
| Deposits / shares | $160.6M | $131.3M |
| Capital ratio | 10.48% | 12.48% (stronger) |
| Problem loans | 0.37% (stronger) | 0.85% |
| Net charge-offs | 0.36% | 0.27% (stronger) |
| Return on assets | 0.62% | 0.96% (stronger) |
| Loans ÷ deposits | 59.0% (stronger) | 71.3% |
| Uninsured deposits | 25.4% | 1.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Financial Builders Federal Credit Union has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 2 and Financial Builders Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.