Side-by-side · Q2 2026 data
St. Thomas Credit Union vs Koin Credit Union
Metric by metric
| Measure | St. Thomas Credit Union | Koin Credit Union |
|---|---|---|
| TellerScore | 59 | 64 (stronger) |
| Capital cushion | 73 (stronger) | 42 |
| Loan quality | 38 | 78 (stronger) |
| Earnings | 43 | 44 (stronger) |
| Funding & liquidity | 72 | 95 (stronger) |
| Problem-loan coverage | 77 | 91 (stronger) |
| Peer percentile | 20th | 28th |
| Total assets | $38.3M | $34.9M |
| Deposits / shares | $33.4M | $31.6M |
| Capital ratio | 12.26% (stronger) | 9.17% |
| Problem loans | 1.86% | 0.66% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.35% |
| Return on assets | 0.58% | 0.59% (stronger) |
| Loans ÷ deposits | 88.0% | 65.1% (stronger) |
| Uninsured deposits | 8.0% (stronger) | 9.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Koin Credit Union has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), St. Thomas Credit Union leads on 3 and Koin Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.