Side-by-side · Q2 2026 data
Bank of Wolcott vs Union Savings and Loan Association
Metric by metric
| Measure | Bank of Wolcott | Union Savings and Loan Association |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 70 (stronger) | 55 |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 88 (stronger) | 64 |
| Funding & liquidity | 73 (stronger) | 71 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 80th | 31st |
| Total assets | $280.3M | $261.8M |
| Deposits / shares | $234.2M | $233.7M |
| Capital ratio | 12.01% (stronger) | 10.45% |
| Problem loans | 0.43% (stronger) | 0.89% |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 1.69% (stronger) | 1.10% |
| Loans ÷ deposits | 60.2% (stronger) | 89.7% |
| Uninsured deposits | 39.2% | 11.0% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Bank of Wolcott has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of Wolcott leads on 6 and Union Savings and Loan Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.