Side-by-side · Q2 2026 data
Banner Bank vs Utility Employees Federal Credit Union
Credit union
Utility Employees Federal Credit Union
Aberdeen, Washington · Under $100 million in assets
Metric by metric
| Measure | Banner Bank | Utility Employees Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 93 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 72 | 76 (stronger) |
| Funding & liquidity | 55 | 83 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 79th | 94th |
| Total assets | $16.6B | $3.2M |
| Deposits / shares | $13.9B | $2.6M |
| Capital ratio | 11.15% | 19.42% (stronger) |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.31% | 1.39% (stronger) |
| Loans ÷ deposits | 85.4% | 77.3% (stronger) |
| Uninsured deposits | 32.5% | 0.0% (stronger) |
| Offices | 154 | 1 |
| CFPB complaints (3 yrs) | 65 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 35.6% | — |
Utility Employees Federal Credit Union has the higher TellerScore (93 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Banner Bank leads on 0 and Utility Employees Federal Credit Union on 7. 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.
Where both have branches
- Hoquiam, WA