Side-by-side · Q2 2026 data
Sainte Marie State Bank vs Ambraw Federal Credit Union
Metric by metric
| Measure | Sainte Marie State Bank | Ambraw Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 90 | 95 (stronger) |
| Earnings | 0 | 45 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 56th | 44th |
| Total assets | $23.0M | $16.7M |
| Deposits / shares | $19.2M | $14.9M |
| Capital ratio | 15.83% (stronger) | 9.90% |
| Problem loans | 0.31% | 0.16% (stronger) |
| Net charge-offs | 0.40% | -0.11% (stronger) |
| Return on assets | -0.74% | 0.63% (stronger) |
| Loans ÷ deposits | 46.5% | 16.3% (stronger) |
| Uninsured deposits | 24.1% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sainte Marie State Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Sainte Marie State Bank leads on 2 and Ambraw Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.