Side-by-side · Q2 2026 data
Hartsburg State Bank vs Gale Credit Union
Metric by metric
| Measure | Hartsburg State Bank | Gale Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 65 (stronger) | 56 |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 29 | 55 (stronger) |
| Funding & liquidity | 98 (stronger) | 86 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 48th | 47th |
| Total assets | $18.1M | $73.7M |
| Deposits / shares | $16.5M | $65.7M |
| Capital ratio | 11.51% (stronger) | 10.62% |
| Problem loans | 0.20% (stronger) | 0.33% |
| Net charge-offs | 1.22% | 0.14% (stronger) |
| Return on assets | 0.22% | 0.88% (stronger) |
| Loans ÷ deposits | 32.8% (stronger) | 74.1% |
| Uninsured deposits | 16.9% | 3.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Hartsburg State Bank leads on 3 and Gale Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.