Side-by-side · Q2 2026 data
Happen Bank, National Association vs Sallie Mae Bank
Metric by metric
| Measure | Happen Bank, National Association | Sallie Mae Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 60 (stronger) | 52 |
| Loan quality | 73 | 78 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 97 (stronger) | 63 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 94th | 87th |
| Total assets | $12.5B | $28.5B |
| Deposits / shares | $10.9B | $20.3B |
| Capital ratio | 10.98% (stronger) | 10.17% |
| Problem loans | 0.82% | 0.65% (stronger) |
| Net charge-offs | 2.15% | 1.85% (stronger) |
| Return on assets | 1.82% | 2.77% (stronger) |
| Loans ÷ deposits | 63.1% (stronger) | 97.2% |
| Uninsured deposits | 12.0% | 7.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happen Bank, National Association has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Happen Bank, National Association leads on 3 and Sallie Mae Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.