Side-by-side · Q2 2026 data
Community State Bank of Orbisonia vs Patriot Federal Credit Union
Metric by metric
| Measure | Community State Bank of Orbisonia | Patriot Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 50 | 65 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 45 | 63 (stronger) |
| Funding & liquidity | 78 | 78 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 31st | 79th |
| Total assets | $473.5M | $1.3B |
| Deposits / shares | $424.3M | $1.2B |
| Capital ratio | 9.99% | 11.49% (stronger) |
| Problem loans | 0.49% | 0.26% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.29% |
| Return on assets | 0.64% | 1.07% (stronger) |
| Loans ÷ deposits | 82.7% | 82.1% (stronger) |
| Uninsured deposits | 7.9% (stronger) | 11.9% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Patriot Federal Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank of Orbisonia leads on 2 and Patriot Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.