Side-by-side · Q2 2026 data
The Garrett State Bank vs Sheboygan Area Credit Union
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | The Garrett State Bank | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 69 | 97 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 72 | 96 (stronger) |
| Earnings | 97 (stronger) | 96 |
| Funding & liquidity | 43 | 92 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 40th | 98th |
| Total assets | $399.7M | $93.4M |
| Deposits / shares | $339.4M | $78.1M |
| Capital ratio | 10.47% | 15.26% (stronger) |
| Problem loans | 0.85% | 0.13% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 1.90% |
| Loans ÷ deposits | 85.2% | 67.9% (stronger) |
| Uninsured deposits | 44.3% | 2.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Garrett State Bank leads on 1 and Sheboygan Area Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.