Side-by-side · Q2 2026 data
Happen Bank, National Association vs Comenity Capital Bank
Metric by metric
| Measure | Happen Bank, National Association | Comenity Capital Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 58 |
| Capital cushion | 60 | 78 (stronger) |
| Loan quality | 73 (stronger) | 0 |
| Earnings | 93 (stronger) | 86 |
| Funding & liquidity | 97 (stronger) | 65 |
| Problem-loan coverage | 93 (stronger) | 76 |
| Peer percentile | 94th | 20th |
| Total assets | $12.5B | $13.9B |
| Deposits / shares | $10.9B | $11.0B |
| Capital ratio | 10.98% | 12.84% (stronger) |
| Problem loans | 0.82% (stronger) | 3.21% |
| Net charge-offs | 2.15% (stronger) | 7.59% |
| Return on assets | 1.82% (stronger) | 1.65% |
| Loans ÷ deposits | 63.1% (stronger) | 95.0% |
| Uninsured deposits | 12.0% | 8.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happen Bank, National Association has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Happen Bank, National Association leads on 5 and Comenity Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.