Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs The Florist Federal Credit Union
Credit union
The Florist Federal Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | The James Polk Stone Community Bank | The Florist Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 64 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 53 (stronger) | 37 |
| Earnings | 100 (stronger) | 4 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 31st | 28th |
| Total assets | $443.8M | $7.1M |
| Deposits / shares | $379.3M | $6.0M |
| Capital ratio | 9.98% | 15.13% (stronger) |
| Problem loans | 1.41% (stronger) | 1.90% |
| Net charge-offs | 0.20% | 0.11% (stronger) |
| Return on assets | 2.08% (stronger) | -0.41% |
| Loans ÷ deposits | 54.1% (stronger) | 60.6% |
| Uninsured deposits | 51.9% | 1.7% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The James Polk Stone Community Bank has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 4 and The Florist Federal 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.