Side-by-side · Q2 2026 data
Waldo State Bank vs Sheboygan Area Credit Union
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Waldo State Bank | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 47 | 97 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 19 | 96 (stronger) |
| Earnings | 47 | 96 (stronger) |
| Funding & liquidity | 68 | 92 (stronger) |
| Problem-loan coverage | 64 | 99 (stronger) |
| Peer percentile | 5th | 98th |
| Total assets | $154.2M | $93.4M |
| Deposits / shares | $127.4M | $78.1M |
| Capital ratio | 10.28% | 15.26% (stronger) |
| Problem loans | 2.44% | 0.13% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 0.68% | 1.90% (stronger) |
| Loans ÷ deposits | 92.1% | 67.9% (stronger) |
| Uninsured deposits | 9.1% | 2.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Waldo State Bank leads on 1 and Sheboygan Area Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.