Side-by-side · Q2 2026 data
Tensas State Bank vs Mutual Federal Credit Union
Metric by metric
| Measure | Tensas State Bank | Mutual Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 84 (stronger) |
| Capital cushion | 89 | 90 (stronger) |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 74 | 88 (stronger) |
| Funding & liquidity | 74 | 96 (stronger) |
| Problem-loan coverage | 61 | 90 (stronger) |
| Peer percentile | 17th | 86th |
| Total assets | $185.5M | $528.5M |
| Deposits / shares | $158.5M | $458.9M |
| Capital ratio | 13.87% | 13.98% (stronger) |
| Problem loans | 3.43% | 1.08% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.85% |
| Return on assets | 1.34% | 1.69% (stronger) |
| Loans ÷ deposits | 75.2% | 64.1% (stronger) |
| Uninsured deposits | 25.0% | 5.4% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mutual Federal Credit Union has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Tensas State Bank leads on 1 and Mutual Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.