Side-by-side · Q2 2026 data
City Bank & Trust Co. vs U B C Southern Council Industria Wo Federal Credit Union
Credit union
U B C Southern Council Industria Wo Federal Credit Union
Minden, Louisiana · Under $100 million in assets
Metric by metric
| Measure | City Bank & Trust Co. | U B C Southern Council Industria Wo Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 86 (stronger) | 56 |
| Funding & liquidity | 77 (stronger) | 60 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 82nd | 68th |
| Total assets | $382.0M | $834K |
| Deposits / shares | $334.0M | $510K |
| Capital ratio | 11.35% | 37.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | 1.67% | 0.32% (stronger) |
| Return on assets | 1.64% (stronger) | 0.89% |
| Loans ÷ deposits | 71.3% (stronger) | 100.3% |
| Uninsured deposits | 25.9% | 0.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
City Bank & Trust Co. has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), City Bank & Trust Co. leads on 4 and U B C Southern Council Industria Wo Federal Credit Union on 3. 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.