Side-by-side · Q2 2026 data
Charles Schwab Trust Bank vs My Credit Union
Metric by metric
| Measure | Charles Schwab Trust Bank | My Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 59 | 78 (stronger) |
| Loan quality | 100 (stronger) | 66 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 99th | 49th |
| Total assets | $10.5B | $58.2M |
| Deposits / shares | $9.7B | $50.4M |
| Capital ratio | 10.93% | 12.78% (stronger) |
| Problem loans | 0.00% (stronger) | 1.02% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 2.05% (stronger) | 0.76% |
| Loans ÷ deposits | 0.0% (stronger) | 58.1% |
| Uninsured deposits | 5.4% | 1.1% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charles Schwab Trust Bank has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Charles Schwab Trust Bank leads on 5 and My 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.