Side-by-side · Q2 2026 data
Happen Bank, National Association vs BMW Bank of North America
Metric by metric
| Measure | Happen Bank, National Association | BMW Bank of North America |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 60 | 82 (stronger) |
| Loan quality | 73 | 97 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 53 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 94th | 98th |
| Total assets | $12.5B | $13.8B |
| Deposits / shares | $10.9B | $9.5B |
| Capital ratio | 10.98% | 13.24% (stronger) |
| Problem loans | 0.82% | 0.09% (stronger) |
| Net charge-offs | 2.15% | 0.20% (stronger) |
| Return on assets | 1.82% | 2.29% (stronger) |
| Loans ÷ deposits | 63.1% (stronger) | 106.9% |
| Uninsured deposits | 12.0% | 3.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BMW Bank of North America has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Happen Bank, National Association leads on 1 and BMW Bank of North America on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.