Side-by-side · Q2 2026 data
State Bank of De Kalb vs Swemp Federal Credit Union
Metric by metric
| Measure | State Bank of De Kalb | Swemp Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 54 | 72 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 82nd | 52nd |
| Total assets | $519.9M | $12.9M |
| Deposits / shares | $455.1M | $10.4M |
| Capital ratio | 12.17% | 19.49% (stronger) |
| Problem loans | 0.24% (stronger) | 1.04% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 2.29% (stronger) | 0.55% |
| Loans ÷ deposits | 83.5% (stronger) | 88.3% |
| Uninsured deposits | 35.8% | 4.3% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of De Kalb has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), State Bank of De Kalb leads on 5 and Swemp Federal Credit Union on 2. 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.