Side-by-side · Q2 2026 data
The Commercial Bank vs Tru Federal Credit Union
Credit union
Tru Federal Credit Union
Greenwood, South Carolina · Under $100 million in assets
Metric by metric
| Measure | The Commercial Bank | Tru Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 76 (stronger) | 60 |
| Loan quality | 75 | 86 (stronger) |
| Earnings | 51 (stronger) | 25 |
| Funding & liquidity | 97 (stronger) | 92 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 64th | 36th |
| Total assets | $284.2M | $63.4M |
| Deposits / shares | $251.4M | $54.9M |
| Capital ratio | 12.65% (stronger) | 11.01% |
| Problem loans | 0.75% | 0.42% (stronger) |
| Net charge-offs | -0.00% (stronger) | 1.02% |
| Return on assets | 0.77% (stronger) | 0.12% |
| Loans ÷ deposits | 40.3% (stronger) | 68.2% |
| Uninsured deposits | 17.8% | 1.1% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Commercial Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 5 and Tru Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.