Side-by-side · Q2 2026 data
Jersey State Bank vs Midwest Members Credit Union
Metric by metric
| Measure | Jersey State Bank | Midwest Members Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 83 | 86 (stronger) |
| Loan quality | 61 | 85 (stronger) |
| Earnings | 53 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 61st | 87th |
| Total assets | $190.1M | $226.6M |
| Deposits / shares | $167.5M | $195.5M |
| Capital ratio | 13.30% | 13.58% (stronger) |
| Problem loans | 1.18% | 0.44% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.34% |
| Return on assets | 0.83% | 1.66% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 82.8% |
| Uninsured deposits | 7.7% | 3.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | 0.0% |
Midwest Members Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Jersey State Bank leads on 2 and Midwest Members Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.