Side-by-side · Q2 2026 data
U.S. Bank National Association vs St Joe Valley Credit Union
Metric by metric
| Measure | U.S. Bank National Association | St Joe Valley Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 45 | 66 (stronger) |
| Loan quality | 52 | 80 (stronger) |
| Earnings | 69 | 78 (stronger) |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 6th | 65th |
| Total assets | $705.6B | $14.0M |
| Deposits / shares | $541.9B | $12.3M |
| Capital ratio | 9.49% | 11.62% (stronger) |
| Problem loans | 1.45% | 0.59% (stronger) |
| Net charge-offs | 0.54% | 0.21% (stronger) |
| Return on assets | 1.23% | 1.45% (stronger) |
| Loans ÷ deposits | 74.9% | 54.3% (stronger) |
| Uninsured deposits | 52.2% | 0.0% (stronger) |
| Offices | 2,076 | 1 |
| CFPB complaints (3 yrs) | 16,488 | — |
| Complaints per $1B deposits | 30.4 | — |
| Mortgage denial rate (HMDA) | 39.5% | — |
St Joe Valley Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), U.S. Bank National Association leads on 0 and St Joe Valley Credit Union on 7. 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.