Side-by-side · Q2 2026 data
BNC National Bank vs Capital Credit Union
Metric by metric
| Measure | BNC National Bank | Capital Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 72 | 81 (stronger) |
| Loan quality | 72 (stronger) | 40 |
| Earnings | 65 | 69 (stronger) |
| Funding & liquidity | 62 | 66 (stronger) |
| Problem-loan coverage | 91 (stronger) | 78 |
| Peer percentile | 63rd | 37th |
| Total assets | $1.0B | $921.5M |
| Deposits / shares | $915.8M | $770.2M |
| Capital ratio | 12.21% | 13.09% (stronger) |
| Problem loans | 0.84% (stronger) | 1.80% |
| Net charge-offs | 0.61% | 0.14% (stronger) |
| Return on assets | 1.14% | 1.22% (stronger) |
| Loans ÷ deposits | 78.8% (stronger) | 94.3% |
| Uninsured deposits | 32.5% | 10.6% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | — |
BNC National Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), BNC National Bank leads on 3 and Capital Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.