Side-by-side · Q2 2026 data
Ladysmith Federal Savings and Loan Association vs Cumberland Federal Bank, FSB
Bank
Ladysmith Federal Savings and Loan Association
Ladysmith, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Ladysmith Federal Savings and Loan Association | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 45 | 78 (stronger) |
| Capital cushion | 42 | 51 (stronger) |
| Loan quality | 32 | 94 (stronger) |
| Earnings | 43 | 75 (stronger) |
| Funding & liquidity | 60 | 99 (stronger) |
| Problem-loan coverage | 64 | 98 (stronger) |
| Peer percentile | 6th | 72nd |
| Total assets | $93.2M | $341.6M |
| Deposits / shares | $72.3M | $287.5M |
| Capital ratio | 9.18% | 10.06% (stronger) |
| Problem loans | 2.03% | 0.19% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 0.57% | 1.39% (stronger) |
| Loans ÷ deposits | 99.9% | 60.9% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 14.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cumberland Federal Bank, FSB has the higher TellerScore (78 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Ladysmith Federal Savings and Loan Association leads on 1 and Cumberland Federal Bank, FSB on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ladysmith, WI