Side-by-side · Q2 2026 data
Hickory Point Bank and Trust vs United Equity Credit Union
Metric by metric
| Measure | Hickory Point Bank and Trust | United Equity Credit Union |
|---|---|---|
| TellerScore | 77 | 94 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 69 | 87 (stronger) |
| Funding & liquidity | 80 | 88 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 68th | 95th |
| Total assets | $717.5M | $66.2M |
| Deposits / shares | $626.8M | $53.7M |
| Capital ratio | 11.04% | 18.66% (stronger) |
| Problem loans | 0.18% (stronger) | 0.23% |
| Net charge-offs | -0.00% (stronger) | 0.21% |
| Return on assets | 1.22% | 1.68% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 72.5% |
| Uninsured deposits | 25.1% | 0.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
United Equity Credit Union has the higher TellerScore (94 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Hickory Point Bank and Trust leads on 3 and United Equity Credit Union on 4. 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.