Side-by-side · Q2 2026 data
Cowboy State Bank vs Sheridan Community Federal Credit Union
Credit union
Sheridan Community Federal Credit Union
Sheridan, Wyoming · $100 million – $1 billion
Metric by metric
| Measure | Cowboy State Bank | Sheridan Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 65 |
| Capital cushion | 74 (stronger) | 58 |
| Loan quality | 70 (stronger) | 53 |
| Earnings | 56 | 82 (stronger) |
| Funding & liquidity | 85 (stronger) | 66 |
| Problem-loan coverage | 64 | 78 (stronger) |
| Peer percentile | 40th | 34th |
| Total assets | $50.3M | $105.0M |
| Deposits / shares | $44.4M | $93.5M |
| Capital ratio | 12.44% (stronger) | 10.77% |
| Problem loans | 0.91% (stronger) | 1.42% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 0.91% | 1.56% (stronger) |
| Loans ÷ deposits | 75.7% (stronger) | 94.4% |
| Uninsured deposits | 5.0% (stronger) | 7.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cowboy State Bank has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cowboy State Bank leads on 6 and Sheridan Community Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.