Side-by-side · Q2 2026 data
First State Bank of Olmsted vs Signet Federal Credit Union
Metric by metric
| Measure | First State Bank of Olmsted | Signet Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 30 | 64 (stronger) |
| Earnings | 69 (stronger) | 65 |
| Funding & liquidity | 81 | 92 (stronger) |
| Problem-loan coverage | 79 | 92 (stronger) |
| Peer percentile | 24th | 82nd |
| Total assets | $78.4M | $398.2M |
| Deposits / shares | $68.4M | $332.1M |
| Capital ratio | 12.57% | 16.64% (stronger) |
| Problem loans | 2.09% | 1.07% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.28% |
| Return on assets | 1.21% (stronger) | 1.13% |
| Loans ÷ deposits | 74.7% | 68.2% (stronger) |
| Uninsured deposits | 19.0% | 9.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Signet Federal Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Olmsted leads on 2 and Signet Federal Credit Union on 5. 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.