Side-by-side · Q2 2026 data
North Dallas Bank & Trust Co. vs The State Credit Union
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | North Dallas Bank & Trust Co. | The State Credit Union |
|---|---|---|
| TellerScore | 51 | 90 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 49 | 92 (stronger) |
| Earnings | 40 | 71 (stronger) |
| Funding & liquidity | 50 | 89 (stronger) |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 8th | 89th |
| Total assets | $1.8B | $95.3M |
| Deposits / shares | $1.6B | $75.7M |
| Capital ratio | 10.22% | 19.12% (stronger) |
| Problem loans | 1.54% | 0.25% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 0.49% | 1.26% (stronger) |
| Loans ÷ deposits | 79.5% | 71.2% (stronger) |
| Uninsured deposits | 42.7% | 1.9% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.9% | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 51). On the 7 directional measures above (where higher or lower is clearly better), North Dallas Bank & Trust Co. leads on 0 and The State 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.