Side-by-side · Q2 2026 data
Legacy Bank vs Union Federal Credit Union
Metric by metric
| Measure | Legacy Bank | Union Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 69 (stronger) | 0 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 57th | 65th |
| Total assets | $865.0M | $611K |
| Deposits / shares | $721.8M | $474K |
| Capital ratio | 10.55% | 21.22% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.22% (stronger) | -3.96% |
| Loans ÷ deposits | 93.2% | 30.7% (stronger) |
| Uninsured deposits | 24.2% | 0.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
Union Federal Credit Union has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank leads on 1 and Union Federal Credit Union on 6. 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.