Side-by-side · Q2 2026 data
The Baxter State Bank vs Service 1 Federal Credit Union
Metric by metric
| Measure | The Baxter State Bank | Service 1 Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 63 | 86 (stronger) |
| Earnings | 70 | 83 (stronger) |
| Funding & liquidity | 97 (stronger) | 73 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 76th | 94th |
| Total assets | $25.2M | $198.5M |
| Deposits / shares | $19.2M | $160.8M |
| Capital ratio | 19.75% (stronger) | 18.56% |
| Problem loans | 1.11% | 0.42% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.52% |
| Return on assets | 1.24% | 1.58% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 87.3% |
| Uninsured deposits | 12.3% | 4.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The Baxter State Bank leads on 3 and Service 1 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.