Side-by-side · Q2 2026 data
Erebor Bank, N.A. vs State Highway Patrol Federal Credit Union
Credit union
State Highway Patrol Federal Credit Union
Columbus, Ohio · Under $100 million in assets
Metric by metric
| Measure | Erebor Bank, N.A. | State Highway Patrol Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 0 | 66 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 85th |
| Total assets | $4.7B | $92.2M |
| Deposits / shares | $4.1B | $80.1M |
| Capital ratio | 38.81% (stronger) | 13.52% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | -1.03% | 1.16% (stronger) |
| Loans ÷ deposits | 1.9% (stronger) | 54.1% |
| Uninsured deposits | 27.6% | 5.5% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Highway Patrol Federal Credit Union has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Erebor Bank, N.A. leads on 4 and State Highway Patrol Federal Credit Union on 3. 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.