Side-by-side · Q2 2026 data
Sound Banking Company vs Evergreendirect Credit Union
Metric by metric
| Measure | Sound Banking Company | Evergreendirect Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 68 |
| Capital cushion | 71 (stronger) | 65 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 70th | 36th |
| Total assets | $45.2M | $75.6M |
| Deposits / shares | $39.6M | $68.9M |
| Capital ratio | 12.08% (stronger) | 11.47% |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | 0.07% (stronger) | 0.88% |
| Return on assets | 2.52% (stronger) | 0.03% |
| Loans ÷ deposits | 96.6% | 53.5% (stronger) |
| Uninsured deposits | 37.4% | 4.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sound Banking Company has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Sound Banking Company leads on 5 and Evergreendirect Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.