Side-by-side · Q2 2026 data
Union State Bank vs Governmental Employees Credit Union
Credit union
Governmental Employees Credit Union
La Crosse, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | Union State Bank | Governmental Employees Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 60 |
| Capital cushion | 72 (stronger) | 44 |
| Loan quality | 95 (stronger) | 76 |
| Earnings | 74 (stronger) | 47 |
| Funding & liquidity | 81 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 82nd | 21st |
| Total assets | $117.6M | $121.8M |
| Deposits / shares | $97.4M | $109.2M |
| Capital ratio | 12.15% (stronger) | 9.40% |
| Problem loans | 0.14% (stronger) | 0.71% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.34% (stronger) | 0.67% |
| Loans ÷ deposits | 79.6% (stronger) | 93.9% |
| Uninsured deposits | 14.1% | 4.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 0.0% |
Union State Bank has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 6 and Governmental Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.