Side-by-side · Q2 2026 data
Chelsea State Bank vs Union Bank
Metric by metric
| Measure | Chelsea State Bank | Union Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 53 |
| Capital cushion | 78 (stronger) | 38 |
| Loan quality | 56 | 64 (stronger) |
| Earnings | 83 (stronger) | 50 |
| Funding & liquidity | 80 (stronger) | 49 |
| Problem-loan coverage | 85 (stronger) | 82 |
| Peer percentile | 61st | 9th |
| Total assets | $416.5M | $396.7M |
| Deposits / shares | $366.0M | $313.5M |
| Capital ratio | 12.76% (stronger) | 8.83% |
| Problem loans | 1.33% | 1.07% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.57% (stronger) | 0.75% |
| Loans ÷ deposits | 69.0% (stronger) | 100.6% |
| Uninsured deposits | 25.5% | 25.0% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
Chelsea State Bank has the higher TellerScore (75 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Chelsea State Bank leads on 5 and Union Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.