Side-by-side · Q2 2026 data
Conservation First Bank vs Dutrac Community Credit Union
Metric by metric
| Measure | Conservation First Bank | Dutrac Community Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 69 |
| Capital cushion | 90 (stronger) | 66 |
| Loan quality | 75 | 75 |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 47 | 68 (stronger) |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 82nd | 54th |
| Total assets | $127.5M | $1.3B |
| Deposits / shares | $101.3M | $1.1B |
| Capital ratio | 13.96% (stronger) | 11.64% |
| Problem loans | 0.74% (stronger) | 0.74% |
| Net charge-offs | 0.01% (stronger) | 0.33% |
| Return on assets | 2.12% (stronger) | 0.96% |
| Loans ÷ deposits | 108.0% | 89.1% (stronger) |
| Uninsured deposits | 19.9% | 17.5% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Conservation First Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Conservation First Bank leads on 5 and Dutrac Community 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.