Side-by-side · Q2 2026 data
U. S. Century Bank vs Shaw-Ross Employees Credit Union
Metric by metric
| Measure | U. S. Century Bank | Shaw-Ross Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 50 | 99 (stronger) |
| Loan quality | 97 (stronger) | 82 |
| Earnings | 80 (stronger) | 29 |
| Funding & liquidity | 24 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 53rd | 68th |
| Total assets | $3.0B | $6.8M |
| Deposits / shares | $2.5B | $5.8M |
| Capital ratio | 9.97% | 14.89% (stronger) |
| Problem loans | 0.09% (stronger) | 0.53% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.49% (stronger) | 0.24% |
| Loans ÷ deposits | 92.5% | 6.0% (stronger) |
| Uninsured deposits | 54.3% | 10.6% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
Shaw-Ross Employees Credit Union has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), U. S. Century Bank leads on 2 and Shaw-Ross Employees 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.