Side-by-side · Q2 2026 data
Exchange State Bank vs Golden Plains Credit Union
Metric by metric
| Measure | Exchange State Bank | Golden Plains Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 70 |
| Capital cushion | 66 | 82 (stronger) |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 84 (stronger) | 55 |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 86th | 58th |
| Total assets | $105.0M | $1.0B |
| Deposits / shares | $88.1M | $863.6M |
| Capital ratio | 11.59% | 13.21% (stronger) |
| Problem loans | 0.00% (stronger) | 1.06% |
| Net charge-offs | 0.00% (stronger) | 0.85% |
| Return on assets | 1.59% (stronger) | 0.88% |
| Loans ÷ deposits | 77.0% (stronger) | 92.9% |
| Uninsured deposits | 12.5% | 9.8% (stronger) |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.0% |
Exchange State Bank has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 5 and Golden Plains Credit Union on 2. 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.