Side-by-side · Q2 2026 data
Bank of Monticello vs United Community Credit Union
Metric by metric
| Measure | Bank of Monticello | United Community Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 23 | 87 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 82 (stronger) | 71 |
| Problem-loan coverage | 73 | 95 (stronger) |
| Peer percentile | 31st | 86th |
| Total assets | $159.0M | $134.1M |
| Deposits / shares | $140.4M | $113.2M |
| Capital ratio | 11.95% | 15.41% (stronger) |
| Problem loans | 2.32% | 0.40% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.38% |
| Return on assets | 2.21% (stronger) | 1.05% |
| Loans ÷ deposits | 72.2% (stronger) | 89.4% |
| Uninsured deposits | 20.3% | 2.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Community Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of Monticello leads on 3 and United Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.