Side-by-side · Q2 2026 data
Exchange State Bank vs Advantage One Credit Union
Metric by metric
| Measure | Exchange State Bank | Advantage One Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 65 | 68 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 81 (stronger) | 45 |
| Funding & liquidity | 87 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 84th | 54th |
| Total assets | $112.7M | $23.5M |
| Deposits / shares | $98.6M | $20.6M |
| Capital ratio | 11.47% | 11.84% (stronger) |
| Problem loans | 0.05% (stronger) | 0.22% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 1.54% (stronger) | 0.63% |
| Loans ÷ deposits | 62.2% (stronger) | 68.7% |
| Uninsured deposits | 25.0% | 1.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 5 and Advantage One Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.