Side-by-side · Q2 2026 data
The Richwood Banking Company vs C E S Credit Union
Metric by metric
| Measure | The Richwood Banking Company | C E S Credit Union |
|---|---|---|
| TellerScore | 64 | 91 (stronger) |
| Capital cushion | 58 | 81 (stronger) |
| Loan quality | 57 | 95 (stronger) |
| Earnings | 70 | 94 (stronger) |
| Funding & liquidity | 70 | 92 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 33rd | 96th |
| Total assets | $1.3B | $244.3M |
| Deposits / shares | $1.1B | $210.7M |
| Capital ratio | 10.76% | 13.10% (stronger) |
| Problem loans | 1.28% | 0.16% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.17% |
| Return on assets | 1.26% | 1.84% (stronger) |
| Loans ÷ deposits | 82.7% | 68.3% (stronger) |
| Uninsured deposits | 22.3% | 3.0% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
C E S Credit Union has the higher TellerScore (91 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Richwood Banking Company leads on 1 and C E S Credit Union on 6. 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.