Side-by-side · Q2 2026 data
State Bank of the Lakes, National Association vs Lco Federal Credit Union
Metric by metric
| Measure | State Bank of the Lakes, National Association | Lco Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 40 | 87 (stronger) |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 77 (stronger) | 60 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 63rd | 77th |
| Total assets | $2.8B | $2.9M |
| Deposits / shares | $2.4B | $2.5M |
| Capital ratio | 9.05% | 13.70% (stronger) |
| Problem loans | 0.18% (stronger) | 0.32% |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.43% (stronger) | 0.99% |
| Loans ÷ deposits | 87.3% | 40.4% (stronger) |
| Uninsured deposits | 20.5% | 9.5% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Lco Federal Credit Union has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), State Bank of the Lakes, National Association leads on 3 and Lco Federal 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.