Side-by-side · Q2 2026 data
Four States Bank vs Legacy Credit Union
Metric by metric
| Measure | Four States Bank | Legacy Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 47 |
| Earnings | 21 | 79 (stronger) |
| Funding & liquidity | 44 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 64th | 65th |
| Total assets | $142.1M | $25.4M |
| Deposits / shares | $114.3M | $20.8M |
| Capital ratio | 15.85% | 17.47% (stronger) |
| Problem loans | 0.00% (stronger) | 1.60% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 0.03% | 1.47% (stronger) |
| Loans ÷ deposits | 89.5% | 72.2% (stronger) |
| Uninsured deposits | 39.1% | 2.2% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Legacy Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Four States Bank leads on 2 and Legacy 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.