Side-by-side · Q2 2026 data
Guthrie County State Bank vs The Family Credit Union
Metric by metric
| Measure | Guthrie County State Bank | The Family Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 73 | 90 (stronger) |
| Loan quality | 95 (stronger) | 63 |
| Earnings | 61 (stronger) | 41 |
| Funding & liquidity | 63 | 99 (stronger) |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 68th | 66th |
| Total assets | $279.2M | $253.3M |
| Deposits / shares | $209.3M | $216.0M |
| Capital ratio | 12.33% | 13.99% (stronger) |
| Problem loans | 0.16% (stronger) | 1.10% |
| Net charge-offs | 0.01% (stronger) | 0.99% |
| Return on assets | 1.02% (stronger) | 0.52% |
| Loans ÷ deposits | 75.1% | 61.5% (stronger) |
| Uninsured deposits | 35.4% | 5.5% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
Guthrie County State Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Guthrie County State Bank leads on 4 and The Family Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.