Side-by-side · Q2 2026 data
State Bank Financial vs Gundersen Credit Union
Metric by metric
| Measure | State Bank Financial | Gundersen Credit Union |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 49 | 88 (stronger) |
| Loan quality | 96 | 98 (stronger) |
| Earnings | 70 (stronger) | 54 |
| Funding & liquidity | 66 | 69 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 53rd | 70th |
| Total assets | $512.1M | $85.3M |
| Deposits / shares | $439.0M | $73.0M |
| Capital ratio | 9.94% | 13.80% (stronger) |
| Problem loans | 0.11% | 0.07% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.05% |
| Return on assets | 1.25% (stronger) | 0.84% |
| Loans ÷ deposits | 78.5% (stronger) | 91.0% |
| Uninsured deposits | 29.4% | 3.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Gundersen Credit Union has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), State Bank Financial leads on 3 and Gundersen Credit Union on 4. 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.