Side-by-side · Q2 2026 data
The State Bank vs Employees Credit Union
Metric by metric
| Measure | The State Bank | Employees Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 67 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 (stronger) | 85 |
| Peer percentile | 73rd | 51st |
| Total assets | $88.4M | $203.4M |
| Deposits / shares | $80.3M | $164.1M |
| Capital ratio | 11.73% | 18.96% (stronger) |
| Problem loans | 0.00% (stronger) | 3.25% |
| Net charge-offs | 0.06% (stronger) | 0.25% |
| Return on assets | 1.18% | 1.61% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 53.5% |
| Uninsured deposits | 15.4% | 11.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The State Bank leads on 4 and Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.