Side-by-side · Q2 2026 data
Bedford Federal Savings Bank vs Union Savings Bank
Metric by metric
| Measure | Bedford Federal Savings Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 58 | 74 (stronger) |
| Capital cushion | 50 | 55 (stronger) |
| Loan quality | 44 | 77 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 49 | 61 (stronger) |
| Problem-loan coverage | 74 | 88 (stronger) |
| Peer percentile | 16th | 74th |
| Total assets | $303.0M | $4.0B |
| Deposits / shares | $261.7M | $3.5B |
| Capital ratio | 9.96% | 10.51% (stronger) |
| Problem loans | 1.69% | 0.70% (stronger) |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 1.60% | 2.01% (stronger) |
| Loans ÷ deposits | 92.4% (stronger) | 99.7% |
| Uninsured deposits | 31.6% | 13.4% (stronger) |
| Offices | 2 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bedford Federal Savings Bank leads on 1 and Union Savings Bank on 6. 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.