Side-by-side · Q2 2026 data
Banner Bank vs Tri-Cities Community Federal Credit Union
Credit union
Tri-Cities Community Federal Credit Union
Kennewick, Washington · Under $100 million in assets
Metric by metric
| Measure | Banner Bank | Tri-Cities Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 62 | 96 (stronger) |
| Loan quality | 85 (stronger) | 51 |
| Earnings | 72 (stronger) | 45 |
| Funding & liquidity | 55 | 60 (stronger) |
| Problem-loan coverage | 94 (stronger) | 84 |
| Peer percentile | 79th | 36th |
| Total assets | $16.6B | $75.6M |
| Deposits / shares | $13.9B | $63.9M |
| Capital ratio | 11.15% | 14.62% (stronger) |
| Problem loans | 0.46% (stronger) | 1.47% |
| Net charge-offs | 0.02% (stronger) | 0.19% |
| Return on assets | 1.31% (stronger) | 0.63% |
| Loans ÷ deposits | 85.4% (stronger) | 95.9% |
| Uninsured deposits | 32.5% | 18.8% (stronger) |
| Offices | 154 | 1 |
| CFPB complaints (3 yrs) | 65 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 35.6% | 14.6% |
Banner Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Banner Bank leads on 5 and Tri-Cities Community Federal Credit Union on 2. 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.