Side-by-side · Q2 2026 data
The St. Henry Bank vs Members Choice Credit Union
Metric by metric
| Measure | The St. Henry Bank | Members Choice Credit Union |
|---|---|---|
| TellerScore | 92 | 92 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 77 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 97th | 92nd |
| Total assets | $435.6M | $38.9M |
| Deposits / shares | $384.5M | $31.7M |
| Capital ratio | 13.61% | 17.95% (stronger) |
| Problem loans | 0.10% (stronger) | 0.44% |
| Net charge-offs | -0.16% | -1.11% (stronger) |
| Return on assets | 2.57% (stronger) | 1.44% |
| Loans ÷ deposits | 63.6% | 61.6% (stronger) |
| Uninsured deposits | 32.3% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The St. Henry Bank leads on 2 and Members Choice Credit Union on 4. 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.