Side-by-side · Q2 2026 data
Mutual Savings and Loan Association vs Rayne Building and Loan Association
Metric by metric
| Measure | Mutual Savings and Loan Association | Rayne Building and Loan Association |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 80 |
| Earnings | 0 | 0 |
| Funding & liquidity | 30 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 33rd | 48th |
| Total assets | $35.9M | $50.8M |
| Deposits / shares | $18.7M | $36.1M |
| Capital ratio | 47.17% (stronger) | 29.06% |
| Problem loans | 0.22% (stronger) | 0.61% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.67% (stronger) | -1.32% |
| Loans ÷ deposits | 160.8% | 70.7% (stronger) |
| Uninsured deposits | 32.9% | 6.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
Rayne Building and Loan Association has the higher TellerScore (73 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Mutual Savings and Loan Association leads on 3 and Rayne Building and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.