Side-by-side · Q2 2026 data
The Cleveland State Bank vs Shelby/Bolivar County Federal Credit Union
Credit union
Shelby/Bolivar County Federal Credit Union
Boyle, Mississippi · Under $100 million in assets
Metric by metric
| Measure | The Cleveland State Bank | Shelby/Bolivar County Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 60 | 85 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 64th | 42nd |
| Total assets | $340.2M | $4.5M |
| Deposits / shares | $312.0M | $3.5M |
| Capital ratio | 11.18% | 20.25% (stronger) |
| Problem loans | 0.26% (stronger) | 5.89% |
| Net charge-offs | 0.07% | -1.40% (stronger) |
| Return on assets | 1.01% | 1.61% (stronger) |
| Loans ÷ deposits | 56.6% | 28.9% (stronger) |
| Uninsured deposits | 29.7% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Cleveland State Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Cleveland State Bank leads on 2 and Shelby/Bolivar County Federal 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.