Side-by-side · Q2 2026 data
SmartBiz Bank, National Association vs St. Martin De Porres Parish Federal Credit Union
Bank
SmartBiz Bank, National Association
Northbrook, Illinois · $100 million – $1 billion
Credit union
St. Martin De Porres Parish Federal Credit Union
Chicago, Illinois · Under $100 million in assets
Metric by metric
| Measure | SmartBiz Bank, National Association | St. Martin De Porres Parish Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 93 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 50 | 100 (stronger) |
| Earnings | 7 | 64 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 4th | 94th |
| Total assets | $200.8M | $383K |
| Deposits / shares | $167.2M | $326K |
| Capital ratio | 8.42% | 14.96% (stronger) |
| Problem loans | 1.49% | 0.00% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | -0.33% | 1.10% (stronger) |
| Loans ÷ deposits | 85.4% | 12.3% (stronger) |
| Uninsured deposits | 8.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Martin De Porres Parish Federal Credit Union has the higher TellerScore (93 vs 44). On the 7 directional measures above (where higher or lower is clearly better), SmartBiz Bank, National Association leads on 0 and St. Martin De Porres Parish Federal Credit Union on 7. 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.