Side-by-side · Q2 2026 data
The Stephenson National Bank and Trust vs Capital Credit Union
Metric by metric
| Measure | The Stephenson National Bank and Trust | Capital Credit Union |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 51 | 73 (stronger) |
| Loan quality | 62 | 70 (stronger) |
| Earnings | 76 (stronger) | 61 |
| Funding & liquidity | 77 (stronger) | 60 |
| Problem-loan coverage | 81 | 87 (stronger) |
| Peer percentile | 31st | 54th |
| Total assets | $676.8M | $2.8B |
| Deposits / shares | $588.0M | $2.4B |
| Capital ratio | 10.07% | 12.34% (stronger) |
| Problem loans | 1.15% | 0.90% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.86% |
| Return on assets | 1.41% (stronger) | 1.01% |
| Loans ÷ deposits | 83.7% (stronger) | 100.2% |
| Uninsured deposits | 14.9% | 10.7% (stronger) |
| Offices | 6 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | — |
Capital Credit Union has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Stephenson National Bank and Trust leads on 3 and Capital Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.