Side-by-side · Q2 2026 data
Spring Hill State Bank vs Eastman Credit Union
Metric by metric
| Measure | Spring Hill State Bank | Eastman Credit Union |
|---|---|---|
| TellerScore | 79 | 91 (stronger) |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 69 | 90 (stronger) |
| Earnings | 77 | 98 (stronger) |
| Funding & liquidity | 49 | 67 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 75th | 96th |
| Total assets | $238.5M | $10.2B |
| Deposits / shares | $186.9M | $8.6B |
| Capital ratio | 16.65% (stronger) | 14.87% |
| Problem loans | 0.94% | 0.31% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.38% |
| Return on assets | 1.42% | 1.95% (stronger) |
| Loans ÷ deposits | 97.6% | 93.2% (stronger) |
| Uninsured deposits | 27.7% | 12.7% (stronger) |
| Offices | 2 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.9% |
Eastman Credit Union has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Spring Hill State Bank leads on 2 and Eastman Credit Union on 5. 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.