Side-by-side · Q2 2026 data
Putnam County State Bank vs Industrial Employees Credit Union
Credit union
Industrial Employees Credit Union
Centerville, Iowa · Under $100 million in assets
Metric by metric
| Measure | Putnam County State Bank | Industrial Employees Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 79 | 98 (stronger) |
| Earnings | 90 (stronger) | 60 |
| Funding & liquidity | 47 | 95 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 77th | 90th |
| Total assets | $317.6M | $9.2M |
| Deposits / shares | $273.7M | $7.1M |
| Capital ratio | 13.52% | 22.16% (stronger) |
| Problem loans | 0.62% | 0.05% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.75% (stronger) | 1.00% |
| Loans ÷ deposits | 85.1% | 65.7% (stronger) |
| Uninsured deposits | 40.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Industrial Employees Credit Union has the higher TellerScore (91 vs 80). On the 6 directional measures above (where higher or lower is clearly better), Putnam County State Bank leads on 1 and Industrial Employees 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.