Side-by-side · Q2 2026 data
Park State Bank & Trust vs School District 3 Federal Credit Union
Credit union
School District 3 Federal Credit Union
Colorado Spring, Colorado · Under $100 million in assets
Metric by metric
| Measure | Park State Bank & Trust | School District 3 Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 62 (stronger) | 54 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $162.3M | $36.0M |
| Deposits / shares | $145.7M | $30.2M |
| Capital ratio | 11.26% | 15.70% (stronger) |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.05% (stronger) | 0.84% |
| Loans ÷ deposits | 75.6% | 55.0% (stronger) |
| Uninsured deposits | 6.3% | 3.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
School District 3 Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Park State Bank & Trust leads on 1 and School District 3 Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.