Side-by-side · Q2 2026 data
The Lyon County State Bank vs Emporia State Federal Credit Union
Metric by metric
| Measure | The Lyon County State Bank | Emporia State Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 46 | 57 (stronger) |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 88 (stronger) | 72 |
| Funding & liquidity | 81 | 90 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 68th | 66th |
| Total assets | $212.5M | $146.5M |
| Deposits / shares | $183.4M | $130.3M |
| Capital ratio | 9.61% | 10.74% (stronger) |
| Problem loans | 0.20% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.11% |
| Return on assets | 1.70% (stronger) | 1.31% |
| Loans ÷ deposits | 79.0% | 70.6% (stronger) |
| Uninsured deposits | 8.8% | 1.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Lyon County State Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Lyon County State Bank leads on 4 and Emporia State Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.