Side-by-side · Q2 2026 data
KCB Bank vs Garden City Teachers Federal Credit Union
Credit union
Garden City Teachers Federal Credit Union
Garden City, Kansas · Under $100 million in assets
Metric by metric
| Measure | KCB Bank | Garden City Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 76 (stronger) | 33 |
| Loan quality | 62 | 78 (stronger) |
| Earnings | 71 (stronger) | 40 |
| Funding & liquidity | 80 | 96 (stronger) |
| Problem-loan coverage | 86 | 90 (stronger) |
| Peer percentile | 53rd | 23rd |
| Total assets | $322.3M | $15.7M |
| Deposits / shares | $283.5M | $14.4M |
| Capital ratio | 12.62% (stronger) | 8.28% |
| Problem loans | 1.15% | 0.67% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.59% |
| Return on assets | 1.27% (stronger) | 0.50% |
| Loans ÷ deposits | 68.2% | 64.7% (stronger) |
| Uninsured deposits | 26.4% | 6.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
KCB Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), KCB Bank leads on 4 and Garden City Teachers Federal 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.