Side-by-side · Q2 2026 data
GS&L Municipal Bank vs State Cs Employees Federal Credit Union
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | GS&L Municipal Bank | State Cs Employees Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 94 (stronger) | 74 |
| Funding & liquidity | 53 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 92nd | 32nd |
| Total assets | $31.6M | $49.4M |
| Deposits / shares | $16.0M | $44.7M |
| Capital ratio | 44.48% (stronger) | 9.30% |
| Problem loans | 0.00% (stronger) | 0.77% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.85% (stronger) | 1.34% |
| Loans ÷ deposits | 0.0% (stronger) | 87.0% |
| Uninsured deposits | 57.2% | 5.3% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), GS&L Municipal Bank leads on 6 and State Cs Employees Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.