Side-by-side · Q2 2026 data
FMB Bank vs United Credit Union
Metric by metric
| Measure | FMB Bank | United Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 25 | 100 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 29 | 68 (stronger) |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 19th | 92nd |
| Total assets | $51.2M | $302.1M |
| Deposits / shares | $47.6M | $253.5M |
| Capital ratio | 7.49% | 15.17% (stronger) |
| Problem loans | 0.01% (stronger) | 0.40% |
| Net charge-offs | -0.01% (stronger) | 0.64% |
| Return on assets | 0.22% | 1.19% (stronger) |
| Loans ÷ deposits | 31.9% (stronger) | 75.5% |
| Uninsured deposits | 27.4% | 6.3% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), FMB Bank leads on 3 and United Credit Union on 4. 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.