Side-by-side · Q2 2026 data
TriCentury Bank vs Sm Federal Credit Union
Metric by metric
| Measure | TriCentury Bank | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 87 (stronger) | 70 |
| Funding & liquidity | 50 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 87th |
| Total assets | $213.8M | $77.2M |
| Deposits / shares | $135.1M | $61.4M |
| Capital ratio | 10.76% | 19.98% (stronger) |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.68% (stronger) | 1.24% |
| Loans ÷ deposits | 131.0% | 78.9% (stronger) |
| Uninsured deposits | 13.2% | 3.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sm Federal Credit Union has the higher TellerScore (89 vs 77). On the 6 directional measures above (where higher or lower is clearly better), TriCentury Bank leads on 2 and Sm Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.