Side-by-side · Q2 2026 data
The Friendship State Bank vs Business and Industrial Federal Credit Union
Credit union
Business and Industrial Federal Credit Union
Columbus, Indiana · Under $100 million in assets
Metric by metric
| Measure | The Friendship State Bank | Business and Industrial Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 91 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 57 | 64 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 31st | 90th |
| Total assets | $543.8M | $44.9M |
| Deposits / shares | $478.7M | $36.7M |
| Capital ratio | 8.79% | 18.04% (stronger) |
| Problem loans | 0.37% | 0.24% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.92% | 1.11% (stronger) |
| Loans ÷ deposits | 69.2% | 48.6% (stronger) |
| Uninsured deposits | 26.1% | 1.1% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.4% | — |
Business and Industrial Federal Credit Union has the higher TellerScore (91 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Friendship State Bank leads on 0 and Business and Industrial Federal Credit Union on 7. 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.