Side-by-side · Q2 2026 data
Exchange State Bank vs Legacy Credit Union
Metric by metric
| Measure | Exchange State Bank | Legacy Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 100 (stronger) | 47 |
| Earnings | 84 (stronger) | 79 |
| Funding & liquidity | 83 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 86th | 65th |
| Total assets | $105.0M | $25.4M |
| Deposits / shares | $88.1M | $20.8M |
| Capital ratio | 11.59% | 17.47% (stronger) |
| Problem loans | 0.00% (stronger) | 1.60% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 1.59% (stronger) | 1.47% |
| Loans ÷ deposits | 77.0% | 72.2% (stronger) |
| Uninsured deposits | 12.5% | 2.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 4 and Legacy Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.