Side-by-side · Q2 2026 data
Beal Bank USA vs Qualstar Credit Union
Metric by metric
| Measure | Beal Bank USA | Qualstar Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 74 (stronger) | 53 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 15 | 87 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 96th | 78th |
| Total assets | $11.0B | $939.3M |
| Deposits / shares | $1.7B | $774.6M |
| Capital ratio | 21.89% (stronger) | 15.99% |
| Problem loans | 0.78% (stronger) | 1.41% |
| Net charge-offs | -4.75% (stronger) | 1.48% |
| Return on assets | 8.19% (stronger) | 1.40% |
| Loans ÷ deposits | 235.7% | 73.2% (stronger) |
| Uninsured deposits | 46.6% | 8.5% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Beal Bank USA leads on 4 and Qualstar 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.