Side-by-side · Q2 2026 data
Independence State Bank vs Royal Credit Union
Metric by metric
| Measure | Independence State Bank | Royal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 54 | 58 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 68 | 79 (stronger) |
| Funding & liquidity | 71 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 54th | 70th |
| Total assets | $84.2M | $5.9B |
| Deposits / shares | $72.2M | $5.2B |
| Capital ratio | 10.38% | 10.83% (stronger) |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | -0.00% (stronger) | 0.59% |
| Return on assets | 1.20% | 1.47% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 97.5% |
| Uninsured deposits | 14.9% | 11.2% (stronger) |
| Offices | 3 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.3% |
Independence State Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 4 and Royal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.