Side-by-side · Q2 2026 data
Atlantic Union Bank vs Cedar Point Federal Credit Union
Credit union
Cedar Point Federal Credit Union
Lexington Park, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Atlantic Union Bank | Cedar Point Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 64 (stronger) | 43 |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 85 (stronger) | 53 |
| Funding & liquidity | 44 | 96 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 83rd | 48th |
| Total assets | $38.0B | $905.8M |
| Deposits / shares | $30.6B | $819.3M |
| Capital ratio | 11.45% (stronger) | 9.26% |
| Problem loans | 0.50% | 0.45% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.23% |
| Return on assets | 1.62% (stronger) | 0.82% |
| Loans ÷ deposits | 92.9% | 64.1% (stronger) |
| Uninsured deposits | 36.4% | 6.3% (stronger) |
| Offices | 177 | 5 |
| CFPB complaints (3 yrs) | 133 | — |
| Complaints per $1B deposits | 4.3 | — |
| Mortgage denial rate (HMDA) | 23.3% | 7.2% |
Atlantic Union Bank has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Atlantic Union Bank leads on 4 and Cedar Point Federal 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.