Side-by-side · Q2 2026 data
Fairfield Federal Savings and Loan Association of Lancaster vs Union Savings Bank
Bank
Fairfield Federal Savings and Loan Association of Lancaster
Lancaster, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Fairfield Federal Savings and Loan Association of Lancaster | Union Savings Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 68 (stronger) | 55 |
| Loan quality | 94 (stronger) | 77 |
| Earnings | 38 | 100 (stronger) |
| Funding & liquidity | 61 | 61 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 43rd | 74th |
| Total assets | $281.5M | $4.0B |
| Deposits / shares | $247.4M | $3.5B |
| Capital ratio | 11.82% (stronger) | 10.51% |
| Problem loans | 0.18% (stronger) | 0.70% |
| Net charge-offs | -0.01% (stronger) | -0.01% |
| Return on assets | 0.45% | 2.01% (stronger) |
| Loans ÷ deposits | 99.2% (stronger) | 99.7% |
| Uninsured deposits | 4.4% (stronger) | 13.4% |
| Offices | 3 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.4% | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Fairfield Federal Savings and Loan Association of Lancaster leads on 5 and Union Savings Bank on 2. 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.