Side-by-side · Q2 2026 data
South Coast Bank & Trust vs Interstate Credit Union
Metric by metric
| Measure | South Coast Bank & Trust | Interstate Credit Union |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 84 (stronger) | 82 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 74 (stronger) | 63 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 50th | 94th |
| Total assets | $269.8M | $410.9M |
| Deposits / shares | $239.4M | $341.0M |
| Capital ratio | 9.90% | 15.85% (stronger) |
| Problem loans | 0.49% (stronger) | 0.54% |
| Net charge-offs | 0.08% (stronger) | 0.32% |
| Return on assets | 1.51% | 2.43% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 97.0% |
| Uninsured deposits | 21.4% | 6.8% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 27.8% |
Interstate Credit Union has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), South Coast Bank & Trust leads on 3 and Interstate Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.