Side-by-side · Q2 2026 data
Charles Schwab Trust Bank vs Unity One Credit Union
Metric by metric
| Measure | Charles Schwab Trust Bank | Unity One Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 51 |
| Capital cushion | 59 (stronger) | 34 |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 100 (stronger) | 4 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 99th | 7th |
| Total assets | $10.5B | $275.9M |
| Deposits / shares | $9.7B | $260.0M |
| Capital ratio | 10.93% (stronger) | 8.39% |
| Problem loans | 0.00% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 1.07% |
| Return on assets | 2.05% (stronger) | -0.41% |
| Loans ÷ deposits | 0.0% (stronger) | 62.2% |
| Uninsured deposits | 5.4% | 4.5% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Charles Schwab Trust Bank has the higher TellerScore (88 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Charles Schwab Trust Bank leads on 6 and Unity One Credit Union on 1. 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.