Side-by-side · Q2 2026 data
Community State Bank vs United Credit Union
Metric by metric
| Measure | Community State Bank | United Credit Union |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 97 (stronger) | 87 |
| Earnings | 91 (stronger) | 68 |
| Funding & liquidity | 63 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 84th | 92nd |
| Total assets | $132.8M | $302.1M |
| Deposits / shares | $109.2M | $253.5M |
| Capital ratio | 12.05% | 15.17% (stronger) |
| Problem loans | 0.10% (stronger) | 0.40% |
| Net charge-offs | 0.20% (stronger) | 0.64% |
| Return on assets | 1.78% (stronger) | 1.19% |
| Loans ÷ deposits | 84.5% | 75.5% (stronger) |
| Uninsured deposits | 26.3% | 6.3% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 3 and United Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.