Side-by-side · Q2 2026 data
The Stephenson National Bank and Trust vs Bay Shore Credit Union
Metric by metric
| Measure | The Stephenson National Bank and Trust | Bay Shore Credit Union |
|---|---|---|
| TellerScore | 66 | 92 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 62 | 91 (stronger) |
| Earnings | 76 (stronger) | 71 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 31st | 92nd |
| Total assets | $676.8M | $48.2M |
| Deposits / shares | $588.0M | $38.7M |
| Capital ratio | 10.07% | 18.64% (stronger) |
| Problem loans | 1.15% | 0.27% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.41% (stronger) | 1.27% |
| Loans ÷ deposits | 83.7% | 50.4% (stronger) |
| Uninsured deposits | 14.9% | 4.8% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | — |
Bay Shore Credit Union has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Stephenson National Bank and Trust leads on 1 and Bay Shore 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.