Side-by-side · Q2 2026 data
Exchange Bank & Trust vs St. Joseph Teachers' Credit Union
Credit union
St. Joseph Teachers' Credit Union
Saint Joseph, Missouri · Under $100 million in assets
Metric by metric
| Measure | Exchange Bank & Trust | St. Joseph Teachers' Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 78 |
| Capital cushion | 80 (stronger) | 59 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 88 (stronger) | 64 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 92nd | 59th |
| Total assets | $626.8M | $8.7M |
| Deposits / shares | $539.7M | $8.0M |
| Capital ratio | 12.97% (stronger) | 10.90% |
| Problem loans | 0.23% (stronger) | 0.29% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.70% (stronger) | 1.11% |
| Loans ÷ deposits | 66.8% | 34.5% (stronger) |
| Uninsured deposits | 18.5% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Exchange Bank & Trust has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank & Trust leads on 4 and St. Joseph Teachers' 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.