Side-by-side · Q2 2026 data
GBC International Bank vs Excite Credit Union
Metric by metric
| Measure | GBC International Bank | Excite Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 19 |
| Loan quality | 91 (stronger) | 82 |
| Earnings | 63 (stronger) | 21 |
| Funding & liquidity | 52 | 80 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 84th | 7th |
| Total assets | $658.5M | $613.8M |
| Deposits / shares | $504.6M | $575.0M |
| Capital ratio | 15.94% (stronger) | 6.89% |
| Problem loans | 0.26% (stronger) | 0.54% |
| Net charge-offs | 0.03% (stronger) | 0.88% |
| Return on assets | 1.08% (stronger) | 0.03% |
| Loans ÷ deposits | 89.5% | 80.4% (stronger) |
| Uninsured deposits | 32.1% | 6.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
GBC International Bank has the higher TellerScore (83 vs 51). On the 7 directional measures above (where higher or lower is clearly better), GBC International Bank leads on 5 and Excite Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.