Side-by-side · Q2 2026 data
Community State Bank vs United Equity Credit Union
Metric by metric
| Measure | Community State Bank | United Equity Credit Union |
|---|---|---|
| TellerScore | 62 | 94 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 54 | 92 (stronger) |
| Earnings | 72 | 87 (stronger) |
| Funding & liquidity | 86 | 88 (stronger) |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 22nd | 95th |
| Total assets | $441.9M | $66.2M |
| Deposits / shares | $399.1M | $53.7M |
| Capital ratio | 9.41% | 18.66% (stronger) |
| Problem loans | 1.38% | 0.23% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.21% |
| Return on assets | 1.30% | 1.68% (stronger) |
| Loans ÷ deposits | 74.6% | 72.5% (stronger) |
| Uninsured deposits | 5.3% | 0.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
United Equity Credit Union has the higher TellerScore (94 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 1 and United Equity 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.