Side-by-side · Q2 2026 data
The Farmers State Bank vs Central Kansas Education Credit Union
Credit union
Central Kansas Education Credit Union
Salina, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Farmers State Bank | Central Kansas Education Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 50 | 85 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 77 (stronger) | 56 |
| Funding & liquidity | 86 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 72nd | 68th |
| Total assets | $180.5M | $6.0M |
| Deposits / shares | $158.1M | $5.1M |
| Capital ratio | 10.05% | 13.52% (stronger) |
| Problem loans | 0.01% (stronger) | 0.15% |
| Net charge-offs | 0.06% (stronger) | 0.18% |
| Return on assets | 1.42% (stronger) | 0.91% |
| Loans ÷ deposits | 59.0% (stronger) | 87.9% |
| Uninsured deposits | 28.1% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Kansas Education Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 4 and Central Kansas Education Credit Union on 3. 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.