Side-by-side · Q2 2026 data
Ireland Bank vs Presto Lewiston Employees Credit Union
Credit union
Presto Lewiston Employees Credit Union
Lewiston, Utah · Under $100 million in assets
Metric by metric
| Measure | Ireland Bank | Presto Lewiston Employees Credit Union |
|---|---|---|
| TellerScore | 53 | 85 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 5 | 100 (stronger) |
| Earnings | 51 (stronger) | 41 |
| Funding & liquidity | 95 (stronger) | 79 |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 9th | 77th |
| Total assets | $355.4M | $342K |
| Deposits / shares | $314.1M | $251K |
| Capital ratio | 11.54% | 26.55% (stronger) |
| Problem loans | 2.84% | 0.00% (stronger) |
| Net charge-offs | 0.59% | 0.00% (stronger) |
| Return on assets | 0.79% (stronger) | 0.54% |
| Loans ÷ deposits | 59.3% (stronger) | 80.8% |
| Uninsured deposits | 19.8% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Presto Lewiston Employees Credit Union has the higher TellerScore (85 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Ireland Bank leads on 2 and Presto Lewiston Employees 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.