Side-by-side · Q2 2026 data
Points West Community Bank vs Nebraska Rural Community Federal Credit Union
Credit union
Nebraska Rural Community Federal Credit Union
Morrill, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Points West Community Bank | Nebraska Rural Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 34 |
| Capital cushion | 42 | 50 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 78 (stronger) | 20 |
| Funding & liquidity | 84 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 37 |
| Peer percentile | 61st | 2nd |
| Total assets | $877.6M | $3.7M |
| Deposits / shares | $768.0M | $3.3M |
| Capital ratio | 9.22% | 10.03% (stronger) |
| Problem loans | 0.06% (stronger) | 4.28% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.45% (stronger) | 0.00% |
| Loans ÷ deposits | 59.8% (stronger) | 87.0% |
| Uninsured deposits | 29.3% | 0.0% (stronger) |
| Offices | 23 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Points West Community Bank has the higher TellerScore (75 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Points West Community Bank leads on 4 and Nebraska Rural Community Federal Credit Union on 3. 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.