Side-by-side · Q2 2026 data
Lafayette State Bank vs Radiant Credit Union
Metric by metric
| Measure | Lafayette State Bank | Radiant Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 49 (stronger) | 45 |
| Loan quality | 98 (stronger) | 84 |
| Earnings | 65 (stronger) | 43 |
| Funding & liquidity | 85 | 85 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 57th | 41st |
| Total assets | $252.2M | $1.1B |
| Deposits / shares | $229.0M | $969.4M |
| Capital ratio | 9.86% (stronger) | 9.50% |
| Problem loans | 0.06% (stronger) | 0.47% |
| Net charge-offs | -0.17% (stronger) | 0.63% |
| Return on assets | 1.13% (stronger) | 0.59% |
| Loans ÷ deposits | 72.3% (stronger) | 75.3% |
| Uninsured deposits | 17.8% | 7.5% (stronger) |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | 41.0% |
Lafayette State Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Lafayette State Bank leads on 6 and Radiant Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Live Oak, FL