Side-by-side · Q2 2026 data
State Bank & Trust Co. vs Community Choice Credit Union
Metric by metric
| Measure | State Bank & Trust Co. | Community Choice Credit Union |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 60 | 77 (stronger) |
| Loan quality | 57 | 81 (stronger) |
| Earnings | 78 | 81 (stronger) |
| Funding & liquidity | 88 (stronger) | 65 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 43rd | 76th |
| Total assets | $197.6M | $922.9M |
| Deposits / shares | $174.3M | $783.5M |
| Capital ratio | 11.03% | 12.74% (stronger) |
| Problem loans | 1.30% | 0.57% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.31% |
| Return on assets | 1.44% | 1.53% (stronger) |
| Loans ÷ deposits | 58.3% (stronger) | 94.9% |
| Uninsured deposits | 25.7% | 4.7% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Choice Credit Union has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust Co. leads on 2 and Community Choice Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.