Side-by-side · Q2 2026 data
The Stephenson National Bank and Trust vs Forward Financial Credit Union
Metric by metric
| Measure | The Stephenson National Bank and Trust | Forward Financial Credit Union |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 51 | 85 (stronger) |
| Loan quality | 62 | 74 (stronger) |
| Earnings | 76 (stronger) | 36 |
| Funding & liquidity | 77 | 97 (stronger) |
| Problem-loan coverage | 81 | 93 (stronger) |
| Peer percentile | 31st | 52nd |
| Total assets | $676.8M | $85.9M |
| Deposits / shares | $588.0M | $73.5M |
| Capital ratio | 10.07% | 13.53% (stronger) |
| Problem loans | 1.15% | 0.79% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.15% |
| Return on assets | 1.41% (stronger) | 0.40% |
| Loans ÷ deposits | 83.7% | 63.2% (stronger) |
| Uninsured deposits | 14.9% | 1.2% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | — |
Forward Financial Credit Union has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Stephenson National Bank and Trust leads on 2 and Forward Financial Credit Union on 5. 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.
Where both have branches
- Marinette, WI
- Pembine, WI