Side-by-side · Q2 2026 data
Independence State Bank vs Arcadia Credit Union
Metric by metric
| Measure | Independence State Bank | Arcadia Credit Union |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 54 | 79 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 68 | 71 (stronger) |
| Funding & liquidity | 71 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 54th | 76th |
| Total assets | $84.2M | $144.2M |
| Deposits / shares | $72.2M | $123.7M |
| Capital ratio | 10.38% | 12.89% (stronger) |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.20% | 1.27% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 90.1% |
| Uninsured deposits | 14.9% | 3.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arcadia Credit Union has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 3 and Arcadia Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.