Side-by-side · Q2 2026 data
St. Mark Credit Union vs Smartchoice Credit Union
Metric by metric
| Measure | St. Mark Credit Union | Smartchoice Credit Union |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 63 | 64 (stronger) |
| Earnings | 0 | 43 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 42nd | 49th |
| Total assets | $472K | $787K |
| Deposits / shares | $362K | $548K |
| Capital ratio | 23.22% | 30.27% (stronger) |
| Problem loans | 1.11% | 1.07% (stronger) |
| Net charge-offs | 0.00% | -0.72% (stronger) |
| Return on assets | -3.95% | 0.56% (stronger) |
| Loans ÷ deposits | 24.4% (stronger) | 93.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smartchoice Credit Union has the higher TellerScore (74 vs 71). On the 6 directional measures above (where higher or lower is clearly better), St. Mark Credit Union leads on 1 and Smartchoice Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.