Side-by-side · Q2 2026 data
Community State Bank vs Carter Federal Credit Union
Metric by metric
| Measure | Community State Bank | Carter Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 32 |
| Capital cushion | 50 (stronger) | 36 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 53 (stronger) | 46 |
| Funding & liquidity | 58 | 60 (stronger) |
| Problem-loan coverage | 100 (stronger) | 29 |
| Peer percentile | 37th | 0th |
| Total assets | $89.8M | $762.9M |
| Deposits / shares | $76.3M | $587.6M |
| Capital ratio | 9.98% (stronger) | 8.60% |
| Problem loans | 0.00% (stronger) | 3.66% |
| Net charge-offs | 0.00% (stronger) | 0.79% |
| Return on assets | 0.83% (stronger) | 0.65% |
| Loans ÷ deposits | 102.4% | 100.7% (stronger) |
| Uninsured deposits | 10.8% | 7.4% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Community State Bank has the higher TellerScore (69 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 5 and Carter Federal Credit Union on 2. 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.