Side-by-side · Q2 2026 data
Shell Lake State Bank vs Lco Federal Credit Union
Metric by metric
| Measure | Shell Lake State Bank | Lco Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 85 |
| Capital cushion | 73 | 87 (stronger) |
| Loan quality | 99 (stronger) | 89 |
| Earnings | 79 (stronger) | 60 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 88th | 77th |
| Total assets | $361.8M | $2.9M |
| Deposits / shares | $314.2M | $2.5M |
| Capital ratio | 12.31% | 13.70% (stronger) |
| Problem loans | 0.03% (stronger) | 0.32% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.48% (stronger) | 0.99% |
| Loans ÷ deposits | 75.6% | 40.4% (stronger) |
| Uninsured deposits | 10.8% | 9.5% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 3 and Lco Federal Credit Union on 3. 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.
Where both have branches
- Hayward, WI