Side-by-side · Q2 2026 data
WaterStone Bank, SSB vs Stoppenbach Credit Union
Credit union
Stoppenbach Credit Union
Jefferson, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | WaterStone Bank, SSB | Stoppenbach Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 45 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 71 (stronger) | 0 |
| Funding & liquidity | 37 | 61 (stronger) |
| Problem-loan coverage | 96 (stronger) | 55 |
| Peer percentile | 91st | 5th |
| Total assets | $2.3B | $1.8M |
| Deposits / shares | $1.5B | $1.4M |
| Capital ratio | 15.43% | 21.16% (stronger) |
| Problem loans | 0.36% (stronger) | 6.11% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.28% (stronger) | -9.14% |
| Loans ÷ deposits | 123.7% | 99.4% (stronger) |
| Uninsured deposits | 26.8% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
WaterStone Bank, SSB has the higher TellerScore (81 vs 45). On the 7 directional measures above (where higher or lower is clearly better), WaterStone Bank, SSB leads on 4 and Stoppenbach Credit Union on 3. 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.