Side-by-side · Q2 2026 data
Shell Lake State Bank vs Indianhead Credit Union
Metric by metric
| Measure | Shell Lake State Bank | Indianhead Credit Union |
|---|---|---|
| TellerScore | 85 | 86 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 79 | 82 (stronger) |
| Funding & liquidity | 85 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 88th | 89th |
| Total assets | $361.8M | $101.2M |
| Deposits / shares | $314.2M | $83.5M |
| Capital ratio | 12.31% | 14.98% (stronger) |
| Problem loans | 0.03% (stronger) | 0.78% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.48% | 1.55% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 82.3% |
| Uninsured deposits | 10.8% | 1.9% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.5% |
Indianhead Credit Union has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 3 and Indianhead Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spooner, WI