Side-by-side · Q2 2026 data
Five Points Bank vs Eddyville Cooperative
Metric by metric
| Measure | Five Points Bank | Eddyville Cooperative |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 78 (stronger) | 51 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 89th |
| Total assets | $2.2B | $2.2M |
| Deposits / shares | $2.0B | $1.8M |
| Capital ratio | 10.30% | 18.28% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 0.77% |
| Loans ÷ deposits | 67.9% | 37.9% (stronger) |
| Uninsured deposits | 41.5% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Eddyville Cooperative has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Five Points Bank leads on 1 and Eddyville Cooperative on 6. 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.