Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Union Yes Federal Credit Union
Metric by metric
| Measure | Capital Bank and Trust Company | Union Yes Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 49th |
| Total assets | $266.1M | $89.0M |
| Deposits / shares | $500K | $80.0M |
| Capital ratio | 79.26% (stronger) | 8.62% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 81.14% (stronger) | 1.20% |
| Loans ÷ deposits | 0.0% (stronger) | 48.7% |
| Uninsured deposits | 50.0% | 14.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 4 and Union Yes Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.