Side-by-side · Q2 2026 data
Community Unity Bank vs The Local Credit Union
Metric by metric
| Measure | Community Unity Bank | The Local Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 0 | 74 (stronger) |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 47th | 97th |
| Total assets | $107.1M | $106.6M |
| Deposits / shares | $85.8M | $89.9M |
| Capital ratio | 19.54% (stronger) | 16.07% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | -1.68% | 1.35% (stronger) |
| Loans ÷ deposits | 92.4% | 46.7% (stronger) |
| Uninsured deposits | 41.6% | 7.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Community Unity Bank leads on 3 and The Local Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.