Side-by-side · Q2 2026 data
Scott State Bank vs Decatur Earthmover Credit Union
Metric by metric
| Measure | Scott State Bank | Decatur Earthmover Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 87 (stronger) | 66 |
| Loan quality | 92 (stronger) | 80 |
| Earnings | 65 (stronger) | 29 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 90th | 51st |
| Total assets | $203.5M | $310.3M |
| Deposits / shares | $178.0M | $272.0M |
| Capital ratio | 13.67% (stronger) | 11.64% |
| Problem loans | 0.24% (stronger) | 0.59% |
| Net charge-offs | 0.03% (stronger) | 0.46% |
| Return on assets | 1.12% (stronger) | 0.23% |
| Loans ÷ deposits | 65.5% | 57.5% (stronger) |
| Uninsured deposits | 17.9% | 4.3% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 17.4% |
Scott State Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 5 and Decatur Earthmover Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.