Side-by-side · Q2 2026 data
The Mer Rouge State Bank vs Kraftman Federal Credit Union
Metric by metric
| Measure | The Mer Rouge State Bank | Kraftman Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 76 | 96 (stronger) |
| Loan quality | 82 (stronger) | 68 |
| Earnings | 66 (stronger) | 36 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 63rd | 74th |
| Total assets | $51.8M | $141.8M |
| Deposits / shares | $45.0M | $125.7M |
| Capital ratio | 12.61% | 14.60% (stronger) |
| Problem loans | 0.55% (stronger) | 0.97% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.15% (stronger) | 0.41% |
| Loans ÷ deposits | 75.3% | 37.6% (stronger) |
| Uninsured deposits | 12.3% | 7.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Mer Rouge State Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Mer Rouge State Bank leads on 4 and Kraftman Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.