Side-by-side · Q2 2026 data
The Richwood Banking Company vs State Highway Patrol Federal Credit Union
Credit union
State Highway Patrol Federal Credit Union
Columbus, Ohio · Under $100 million in assets
Metric by metric
| Measure | The Richwood Banking Company | State Highway Patrol Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 58 | 85 (stronger) |
| Loan quality | 57 | 98 (stronger) |
| Earnings | 70 (stronger) | 66 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 33rd | 85th |
| Total assets | $1.3B | $92.2M |
| Deposits / shares | $1.1B | $80.1M |
| Capital ratio | 10.76% | 13.52% (stronger) |
| Problem loans | 1.28% | 0.06% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 1.26% (stronger) | 1.16% |
| Loans ÷ deposits | 82.7% | 54.1% (stronger) |
| Uninsured deposits | 22.3% | 5.5% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
State Highway Patrol Federal Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Richwood Banking Company leads on 2 and State Highway Patrol Federal Credit Union on 5. 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.