Side-by-side · Q2 2026 data
Gala Bank vs Radiant Credit Union
Metric by metric
| Measure | Gala Bank | Radiant Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 0 | 43 (stronger) |
| Funding & liquidity | 51 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 48th | 41st |
| Total assets | $44.9M | $1.1B |
| Deposits / shares | $35.5M | $969.4M |
| Capital ratio | 22.07% (stronger) | 9.50% |
| Problem loans | 0.00% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.63% |
| Return on assets | -1.98% | 0.59% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 75.3% |
| Uninsured deposits | 57.1% | 7.5% (stronger) |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.0% |
Gala Bank has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Gala Bank leads on 5 and Radiant Credit Union 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.