Side-by-side · Q2 2026 data
Security State Bank vs Garden City Teachers Federal Credit Union
Credit union
Garden City Teachers Federal Credit Union
Garden City, Kansas · Under $100 million in assets
Metric by metric
| Measure | Security State Bank | Garden City Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 52 (stronger) | 33 |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 76 (stronger) | 40 |
| Funding & liquidity | 57 | 96 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 66th | 23rd |
| Total assets | $1.0B | $15.7M |
| Deposits / shares | $727.9M | $14.4M |
| Capital ratio | 10.23% (stronger) | 8.28% |
| Problem loans | 0.26% (stronger) | 0.67% |
| Net charge-offs | 0.11% (stronger) | 0.59% |
| Return on assets | 1.39% (stronger) | 0.50% |
| Loans ÷ deposits | 103.6% | 64.7% (stronger) |
| Uninsured deposits | 13.3% | 6.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Security State Bank has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank leads on 5 and Garden City Teachers Federal Credit Union on 2. 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.