Side-by-side · Q2 2026 data
The State Bank and Trust Company vs Genfed Financial Credit Union
Metric by metric
| Measure | The State Bank and Trust Company | Genfed Financial Credit Union |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 90 (stronger) | 54 |
| Earnings | 67 | 67 |
| Funding & liquidity | 63 | 88 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 58th | 76th |
| Total assets | $1.6B | $335.9M |
| Deposits / shares | $1.4B | $280.4M |
| Capital ratio | 10.00% | 16.78% (stronger) |
| Problem loans | 0.30% (stronger) | 1.38% |
| Net charge-offs | 0.04% (stronger) | 0.36% |
| Return on assets | 1.17% (stronger) | 1.16% |
| Loans ÷ deposits | 84.3% | 72.7% (stronger) |
| Uninsured deposits | 26.6% | 0.0% (stronger) |
| Offices | 26 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Genfed Financial Credit Union has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The State Bank and Trust Company leads on 3 and Genfed Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bryan, OH