Side-by-side · Q2 2026 data
National Exchange Bank and Trust vs Sheboygan Area Credit Union
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | National Exchange Bank and Trust | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 88 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 88 | 96 (stronger) |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 98th | 98th |
| Total assets | $2.9B | $93.4M |
| Deposits / shares | $2.3B | $78.1M |
| Capital ratio | 20.06% (stronger) | 15.26% |
| Problem loans | 0.37% | 0.13% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.01% |
| Return on assets | 1.69% | 1.90% (stronger) |
| Loans ÷ deposits | 73.1% | 67.9% (stronger) |
| Uninsured deposits | 40.1% | 2.3% (stronger) |
| Offices | 32 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 88). On the 7 directional measures above (where higher or lower is clearly better), National Exchange Bank and Trust leads on 2 and Sheboygan Area Credit Union on 5. 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.