Side-by-side · Q2 2026 data
State Central Bank vs S E C U Credit Union
Metric by metric
| Measure | State Central Bank | S E C U Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 100 | 100 |
| Loan quality | 63 (stronger) | 13 |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 65 |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 76th | 44th |
| Total assets | $63.2M | $1.8M |
| Deposits / shares | $50.6M | $1.2M |
| Capital ratio | 16.11% | 35.35% (stronger) |
| Problem loans | 1.11% (stronger) | 2.61% |
| Net charge-offs | 0.02% (stronger) | 0.52% |
| Return on assets | 1.57% | 2.37% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 95.4% |
| Uninsured deposits | 20.4% | 0.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Central Bank has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), State Central Bank leads on 4 and S E C U Credit Union on 3. 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.