Side-by-side · Q2 2026 data
Independence Bank vs Lormet Community Federal Credit Union
Credit union
Lormet Community Federal Credit Union
Amherst, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Independence Bank | Lormet Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 91 (stronger) |
| Capital cushion | 95 (stronger) | 87 |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 55 | 80 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 80th | 96th |
| Total assets | $191.2M | $283.3M |
| Deposits / shares | $161.6M | $244.4M |
| Capital ratio | 14.46% (stronger) | 13.73% |
| Problem loans | 0.26% | 0.15% (stronger) |
| Net charge-offs | 0.49% | 0.14% (stronger) |
| Return on assets | 0.87% | 1.50% (stronger) |
| Loans ÷ deposits | 62.1% | 56.9% (stronger) |
| Uninsured deposits | 50.5% | 3.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lormet Community Federal Credit Union has the higher TellerScore (91 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 1 and Lormet Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.