Side-by-side · Q2 2026 data
1st State Bank vs United Bay Community Credit Union
Metric by metric
| Measure | 1st State Bank | United Bay Community Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 55 |
| Capital cushion | 73 (stronger) | 25 |
| Loan quality | 88 (stronger) | 80 |
| Earnings | 74 (stronger) | 40 |
| Funding & liquidity | 55 | 71 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 64th | 12th |
| Total assets | $490.1M | $301.7M |
| Deposits / shares | $428.8M | $276.1M |
| Capital ratio | 12.27% (stronger) | 7.54% |
| Problem loans | 0.35% (stronger) | 0.60% |
| Net charge-offs | 0.22% (stronger) | 0.28% |
| Return on assets | 1.35% (stronger) | 0.50% |
| Loans ÷ deposits | 74.2% (stronger) | 89.7% |
| Uninsured deposits | 43.4% | 0.9% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
1st State Bank has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), 1st State Bank leads on 6 and United Bay Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.