Side-by-side · Q2 2026 data
Bedford Federal Savings Bank vs Union Savings and Loan Association
Metric by metric
| Measure | Bedford Federal Savings Bank | Union Savings and Loan Association |
|---|---|---|
| TellerScore | 58 | 66 (stronger) |
| Capital cushion | 50 | 55 (stronger) |
| Loan quality | 44 | 70 (stronger) |
| Earnings | 84 (stronger) | 64 |
| Funding & liquidity | 49 | 71 (stronger) |
| Problem-loan coverage | 74 | 86 (stronger) |
| Peer percentile | 16th | 31st |
| Total assets | $303.0M | $261.8M |
| Deposits / shares | $261.7M | $233.7M |
| Capital ratio | 9.96% | 10.45% (stronger) |
| Problem loans | 1.69% | 0.89% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.10% |
| Return on assets | 1.60% (stronger) | 1.10% |
| Loans ÷ deposits | 92.4% | 89.7% (stronger) |
| Uninsured deposits | 31.6% | 11.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Savings and Loan Association has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bedford Federal Savings Bank leads on 2 and Union Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.