Side-by-side · Q2 2026 data
State Savings Bank vs Serve Credit Union
Metric by metric
| Measure | State Savings Bank | Serve Credit Union |
|---|---|---|
| TellerScore | 58 | 84 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 66 | 73 (stronger) |
| Earnings | 70 | 78 (stronger) |
| Funding & liquidity | 51 | 73 (stronger) |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 16th | 86th |
| Total assets | $291.9M | $101.3M |
| Deposits / shares | $222.1M | $82.2M |
| Capital ratio | 8.67% | 18.08% (stronger) |
| Problem loans | 1.02% | 0.81% (stronger) |
| Net charge-offs | 0.52% | 0.21% (stronger) |
| Return on assets | 1.26% | 1.44% (stronger) |
| Loans ÷ deposits | 104.4% | 87.2% (stronger) |
| Uninsured deposits | 19.0% | 2.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | 12.1% |
Serve Credit Union has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), State Savings Bank leads on 0 and Serve Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.