Side-by-side · Q2 2026 data
Local Bank vs City Credit Union
Metric by metric
| Measure | Local Bank | City Credit Union |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 53 | 74 (stronger) |
| Earnings | 0 | 70 (stronger) |
| Funding & liquidity | 53 | 91 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 16th | 80th |
| Total assets | $111.3M | $21.3M |
| Deposits / shares | $87.5M | $15.9M |
| Capital ratio | 14.29% | 23.98% (stronger) |
| Problem loans | 1.42% | 0.79% (stronger) |
| Net charge-offs | 0.41% | 0.23% (stronger) |
| Return on assets | -1.47% | 1.25% (stronger) |
| Loans ÷ deposits | 97.8% | 68.8% (stronger) |
| Uninsured deposits | 23.7% | 0.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
City Credit Union has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 0 and City Credit Union on 7. 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.