Side-by-side · Q2 2026 data
Eaton Community Bank vs South Central Credit Union
Metric by metric
| Measure | Eaton Community Bank | South Central Credit Union |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 79 | 92 (stronger) |
| Loan quality | 59 | 81 (stronger) |
| Earnings | 53 (stronger) | 26 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 47th | 59th |
| Total assets | $543.5M | $84.6M |
| Deposits / shares | $459.0M | $72.0M |
| Capital ratio | 12.89% | 14.20% (stronger) |
| Problem loans | 1.23% | 0.56% (stronger) |
| Net charge-offs | 1.05% | 0.46% (stronger) |
| Return on assets | 0.81% (stronger) | 0.16% |
| Loans ÷ deposits | 73.6% | 55.8% (stronger) |
| Uninsured deposits | 13.2% | 4.4% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
South Central Credit Union has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Eaton Community Bank leads on 1 and South Central Credit Union on 6. 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.