Side-by-side · Q2 2026 data
Balboa Thrift and Loan Association vs Universal Bank
Bank
Balboa Thrift and Loan Association
Chula Vista, California · $100 million – $1 billion
Metric by metric
| Measure | Balboa Thrift and Loan Association | Universal Bank |
|---|---|---|
| TellerScore | 48 | 54 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 62 (stronger) | 0 |
| Earnings | 0 | 34 (stronger) |
| Funding & liquidity | 49 | 66 (stronger) |
| Problem-loan coverage | 85 (stronger) | 72 |
| Peer percentile | 6th | 10th |
| Total assets | $394.5M | $388.0M |
| Deposits / shares | $348.3M | $275.1M |
| Capital ratio | 10.61% | 17.80% (stronger) |
| Problem loans | 1.14% (stronger) | 3.74% |
| Net charge-offs | 2.49% | -0.02% (stronger) |
| Return on assets | -0.70% | 0.36% (stronger) |
| Loans ÷ deposits | 99.4% | 94.1% (stronger) |
| Uninsured deposits | 25.5% | 13.7% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Universal Bank has the higher TellerScore (54 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Balboa Thrift and Loan Association leads on 1 and Universal Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.