Side-by-side · Q2 2026 data
HNB National Bank vs United Credit Union
Metric by metric
| Measure | HNB National Bank | United Credit Union |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 98 (stronger) | 87 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 91st | 92nd |
| Total assets | $1.3B | $302.1M |
| Deposits / shares | $1.2B | $253.5M |
| Capital ratio | 9.72% | 15.17% (stronger) |
| Problem loans | 0.06% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.64% |
| Return on assets | 2.66% (stronger) | 1.19% |
| Loans ÷ deposits | 74.1% (stronger) | 75.5% |
| Uninsured deposits | 14.2% | 6.3% (stronger) |
| Offices | 17 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
United Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 4 and United Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.