Side-by-side · Q2 2026 data
The Denison State Bank vs Empower Blue Credit Union
Metric by metric
| Measure | The Denison State Bank | Empower Blue Credit Union |
|---|---|---|
| TellerScore | 87 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 64 | 97 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 78 | 98 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 91st | 85th |
| Total assets | $453.6M | $55.1M |
| Deposits / shares | $369.3M | $45.6M |
| Capital ratio | 17.53% | 18.09% (stronger) |
| Problem loans | 1.08% | 0.10% (stronger) |
| Net charge-offs | 0.81% | 0.12% (stronger) |
| Return on assets | 2.00% (stronger) | 0.68% |
| Loans ÷ deposits | 81.4% | 61.8% (stronger) |
| Uninsured deposits | 16.0% | 7.6% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | — |
Empower Blue Credit Union has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), The Denison State Bank leads on 1 and Empower Blue Credit Union on 6. 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.