Side-by-side · Q2 2026 data
Commercial Trust Company of Fayette vs United Credit Union
Metric by metric
| Measure | Commercial Trust Company of Fayette | United Credit Union |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 67 | 85 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 57th | 92nd |
| Total assets | $163.8M | $302.1M |
| Deposits / shares | $145.2M | $253.5M |
| Capital ratio | 10.41% | 15.17% (stronger) |
| Problem loans | 0.36% (stronger) | 0.40% |
| Net charge-offs | 0.03% (stronger) | 0.64% |
| Return on assets | 1.47% (stronger) | 1.19% |
| Loans ÷ deposits | 75.4% (stronger) | 75.5% |
| Uninsured deposits | 30.7% | 6.3% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
United Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Commercial Trust Company of Fayette leads on 4 and United Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.