Side-by-side · Q2 2026 data
Focus Bank vs Sikeston Public Schools Credit Union
Credit union
Sikeston Public Schools Credit Union
Sikeston, Missouri · Under $100 million in assets
Metric by metric
| Measure | Focus Bank | Sikeston Public Schools Credit Union |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 72 (stronger) | 37 |
| Earnings | 87 (stronger) | 79 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 61st | 62nd |
| Total assets | $854.1M | $5.5M |
| Deposits / shares | $679.8M | $4.5M |
| Capital ratio | 12.61% | 18.91% (stronger) |
| Problem loans | 0.85% (stronger) | 1.89% |
| Net charge-offs | 0.05% (stronger) | 1.00% |
| Return on assets | 1.67% (stronger) | 1.46% |
| Loans ÷ deposits | 103.6% | 56.5% (stronger) |
| Uninsured deposits | 19.7% | 0.5% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Sikeston Public Schools Credit Union has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Focus Bank leads on 3 and Sikeston Public Schools Credit Union on 4. 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.