Side-by-side · Q2 2026 data
The Garrett State Bank vs Profed Federal Credit Union
Metric by metric
| Measure | The Garrett State Bank | Profed Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 55 | 82 (stronger) |
| Loan quality | 72 | 84 (stronger) |
| Earnings | 97 (stronger) | 73 |
| Funding & liquidity | 43 | 79 (stronger) |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 40th | 82nd |
| Total assets | $399.7M | $763.5M |
| Deposits / shares | $339.4M | $657.2M |
| Capital ratio | 10.47% | 13.16% (stronger) |
| Problem loans | 0.85% | 0.47% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 1.93% (stronger) | 1.32% |
| Loans ÷ deposits | 85.2% | 81.3% (stronger) |
| Uninsured deposits | 44.3% | 3.0% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Profed Federal Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Garrett State Bank leads on 2 and Profed Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.