Bank Of Commerce vs Guernsey Community
Comparing a Bank in Rawlins, WY with a Credit Union in Guernsey, WY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Of Commerce ↗ Bank · Rawlins, WY · Est. 1978 | Guernsey Community ↗ Credit Union · Guernsey, WY · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Rawlins, WY | Guernsey, WY |
| Total assets | $213.9M | $1.8M |
| Capital ratio | 10.1% | 21.1% |
| Return on assets | 1.3% | 1.7% |
| Deposits | $191.0M | — |
| Branches | 2 | 250 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 24 | #3 of 18 |
| Established | 1978 | 1954 |
Bank Of Commerce
- Assets: $213.9M
- Deposits: $191.0M
- Capital ratio: 10.1%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #3 of 24
Guernsey Community
- Assets: $1.8M
- Members: 250
- Capital ratio: 21.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #3 of 18
Are both institutions federally insured?
Yes. Bank Of Commerce is FDIC-insured and Guernsey Community is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Of Commerce or Guernsey Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Of Commerce scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Of Commerce safe?
Yes — Bank Of Commerce is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Guernsey Community safe?
Yes — Guernsey Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Of Commerce vs Guernsey Community?
Bank Of Commerce has a capital ratio of 10.1%, placing it in the bottom 49% of $100M–1B peers. Guernsey Community's ratio is 21.1%, placing it in the top 19% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Of Commerce have compared to Guernsey Community?
The CFPB database shows 0 complaints against Bank Of Commerce, and 0 complaints against Guernsey Community. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Of Commerce with other Banks in Wyoming
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
