Side-by-side · Q2 2026 data
Community State Bank vs Flexpak Federal Credit Union
Metric by metric
| Measure | Community State Bank | Flexpak Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 76 (stronger) | 62 |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 57th | 83rd |
| Total assets | $667.5M | $1.9M |
| Deposits / shares | $621.3M | $1.5M |
| Capital ratio | 9.62% | 19.88% (stronger) |
| Problem loans | 0.28% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.39% (stronger) | 1.04% |
| Loans ÷ deposits | 58.6% (stronger) | 93.6% |
| Uninsured deposits | 30.6% | 0.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
Flexpak Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 3 and Flexpak Federal Credit Union on 4. 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.