Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs Riverview Federal Credit Union
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | Riverview Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 56 |
| Capital cushion | 86 (stronger) | 41 |
| Loan quality | 97 (stronger) | 49 |
| Earnings | 52 | 52 |
| Funding & liquidity | 82 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 79 |
| Peer percentile | 73rd | 13th |
| Total assets | $60.0M | $113.4M |
| Deposits / shares | $52.1M | $101.1M |
| Capital ratio | 13.60% (stronger) | 9.07% |
| Problem loans | 0.09% (stronger) | 1.54% |
| Net charge-offs | -0.13% (stronger) | 0.34% |
| Return on assets | 0.80% | 0.81% (stronger) |
| Loans ÷ deposits | 78.2% | 70.3% (stronger) |
| Uninsured deposits | 9.9% | 4.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 4 and Riverview Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.