Side-by-side · Q2 2026 data
JD Bank vs St. Mary Parish School Emp. Federal Credit Union
Credit union
St. Mary Parish School Emp. Federal Credit Union
Franklin, Louisiana · Under $100 million in assets
Metric by metric
| Measure | JD Bank | St. Mary Parish School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 64 (stronger) | 47 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 80th | 77th |
| Total assets | $1.3B | $455K |
| Deposits / shares | $1.1B | $349K |
| Capital ratio | 11.88% | 22.66% (stronger) |
| Problem loans | 0.40% (stronger) | 0.49% |
| Net charge-offs | 0.07% (stronger) | 3.83% |
| Return on assets | 1.11% (stronger) | 0.67% |
| Loans ÷ deposits | 68.8% | 17.9% (stronger) |
| Uninsured deposits | 25.0% | 0.0% (stronger) |
| Offices | 22 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Mary Parish School Emp. Federal Credit Union has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), JD Bank leads on 3 and St. Mary Parish School Emp. Federal Credit Union on 4. 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.