Side-by-side · Q2 2026 data
Eclipse Bank, Inc. vs Transcend Credit Union
Metric by metric
| Measure | Eclipse Bank, Inc. | Transcend Credit Union |
|---|---|---|
| TellerScore | 61 | 83 (stronger) |
| Capital cushion | 45 | 84 (stronger) |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 43 | 68 (stronger) |
| Funding & liquidity | 49 | 69 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 20th | 83rd |
| Total assets | $485.7M | $588.3M |
| Deposits / shares | $341.3M | $473.2M |
| Capital ratio | 9.47% | 13.37% (stronger) |
| Problem loans | 0.31% | 0.13% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.18% |
| Return on assets | 0.58% | 1.19% (stronger) |
| Loans ÷ deposits | 120.7% | 91.0% (stronger) |
| Uninsured deposits | 16.2% | 9.8% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Transcend Credit Union has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Eclipse Bank, Inc. leads on 1 and Transcend Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.