Side-by-side · Q2 2026 data
Waldo State Bank vs Premier Financial Credit Union
Metric by metric
| Measure | Waldo State Bank | Premier Financial Credit Union |
|---|---|---|
| TellerScore | 47 | 78 (stronger) |
| Capital cushion | 53 | 86 (stronger) |
| Loan quality | 19 | 68 (stronger) |
| Earnings | 47 | 64 (stronger) |
| Funding & liquidity | 68 | 89 (stronger) |
| Problem-loan coverage | 64 | 91 (stronger) |
| Peer percentile | 5th | 74th |
| Total assets | $154.2M | $132.4M |
| Deposits / shares | $127.4M | $112.8M |
| Capital ratio | 10.28% | 13.55% (stronger) |
| Problem loans | 2.44% | 0.95% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.06% |
| Return on assets | 0.68% | 1.09% (stronger) |
| Loans ÷ deposits | 92.1% | 71.1% (stronger) |
| Uninsured deposits | 9.1% | 1.7% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Premier Financial Credit Union has the higher TellerScore (78 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Waldo State Bank leads on 1 and Premier Financial Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.