Side-by-side · Q2 2026 data
Five Star Bank vs Steuben Citizens Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Metric by metric
| Measure | Five Star Bank | Steuben Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 59 | 72 (stronger) |
| Loan quality | 73 | 97 (stronger) |
| Earnings | 77 (stronger) | 26 |
| Funding & liquidity | 37 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 40th | 54th |
| Total assets | $6.3B | $35.8M |
| Deposits / shares | $5.3B | $30.6M |
| Capital ratio | 10.87% | 12.19% (stronger) |
| Problem loans | 0.82% | 0.09% (stronger) |
| Net charge-offs | 0.27% (stronger) | 2.32% |
| Return on assets | 1.42% (stronger) | 0.15% |
| Loans ÷ deposits | 88.7% | 30.9% (stronger) |
| Uninsured deposits | 46.4% | 1.4% (stronger) |
| Offices | 47 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
Steuben Citizens Federal Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 2 and Steuben Citizens 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.
Where both have branches
- Bath, NY