Side-by-side · Q2 2026 data
Independent Bank vs Tri-Cities Credit Union
Metric by metric
| Measure | Independent Bank | Tri-Cities Credit Union |
|---|---|---|
| TellerScore | 63 | 86 (stronger) |
| Capital cushion | 47 | 89 (stronger) |
| Loan quality | 67 | 98 (stronger) |
| Earnings | 74 (stronger) | 58 |
| Funding & liquidity | 61 | 89 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 30th | 80th |
| Total assets | $5.7B | $51.3M |
| Deposits / shares | $4.9B | $43.7M |
| Capital ratio | 9.67% | 13.92% (stronger) |
| Problem loans | 0.99% | 0.05% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.13% |
| Return on assets | 1.34% (stronger) | 0.96% |
| Loans ÷ deposits | 88.6% | 71.4% (stronger) |
| Uninsured deposits | 24.4% | 5.5% (stronger) |
| Offices | 57 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Tri-Cities Credit Union has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Independent Bank leads on 2 and Tri-Cities Credit Union on 5. 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.