Side-by-side · Q2 2026 data
Headwaters State Bank vs Ripco Credit Union
Metric by metric
| Measure | Headwaters State Bank | Ripco Credit Union |
|---|---|---|
| TellerScore | 47 | 62 (stronger) |
| Capital cushion | 62 (stronger) | 50 |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 54 (stronger) | 38 |
| Funding & liquidity | 83 | 85 (stronger) |
| Problem-loan coverage | 49 | 87 (stronger) |
| Peer percentile | 5th | 26th |
| Total assets | $122.5M | $188.8M |
| Deposits / shares | $102.9M | $168.6M |
| Capital ratio | 11.21% (stronger) | 9.99% |
| Problem loans | 6.35% | 0.90% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.54% |
| Return on assets | 0.84% (stronger) | 0.45% |
| Loans ÷ deposits | 77.5% | 75.7% (stronger) |
| Uninsured deposits | 4.3% | 2.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ripco Credit Union has the higher TellerScore (62 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 3 and Ripco Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.