Side-by-side · Q2 2026 data
Terrabank, National Association vs Shaw-Ross Employees Credit Union
Metric by metric
| Measure | Terrabank, National Association | Shaw-Ross Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 48 | 99 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 49 (stronger) | 29 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 29th | 68th |
| Total assets | $897.7M | $6.8M |
| Deposits / shares | $791.4M | $5.8M |
| Capital ratio | 9.83% | 14.89% (stronger) |
| Problem loans | 0.11% (stronger) | 0.53% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.71% (stronger) | 0.24% |
| Loans ÷ deposits | 75.4% | 6.0% (stronger) |
| Uninsured deposits | 49.0% | 10.6% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Shaw-Ross Employees Credit Union has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Terrabank, National Association leads on 2 and Shaw-Ross Employees Credit Union on 5. 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.