Side-by-side · Q2 2026 data
Lake City Bank vs Three Rivers Federal Credit Union
Metric by metric
| Measure | Lake City Bank | Three Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 69 | 89 (stronger) |
| Loan quality | 88 (stronger) | 51 |
| Earnings | 86 | 97 (stronger) |
| Funding & liquidity | 26 | 72 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 70th | 84th |
| Total assets | $7.2B | $2.9B |
| Deposits / shares | $6.3B | $2.1B |
| Capital ratio | 11.89% | 13.88% (stronger) |
| Problem loans | 0.36% (stronger) | 1.47% |
| Net charge-offs | 0.08% (stronger) | 0.43% |
| Return on assets | 1.66% | 1.92% (stronger) |
| Loans ÷ deposits | 86.9% | 86.4% (stronger) |
| Uninsured deposits | 57.6% | 16.3% (stronger) |
| Offices | 55 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 16.3% |
Three Rivers Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake City Bank leads on 2 and Three Rivers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.