Side-by-side · Q2 2026 data
Legend Bank, N.A. vs 4u Federal Credit Union
Metric by metric
| Measure | Legend Bank, N.A. | 4u Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 63 |
| Capital cushion | 54 (stronger) | 39 |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 98 (stronger) | 29 |
| Funding & liquidity | 81 (stronger) | 74 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 93rd | 29th |
| Total assets | $1.3B | $156.2M |
| Deposits / shares | $1.1B | $140.6M |
| Capital ratio | 10.35% (stronger) | 8.91% |
| Problem loans | 0.12% | 0.04% (stronger) |
| Net charge-offs | 0.07% | 0.04% (stronger) |
| Return on assets | 1.95% (stronger) | 0.23% |
| Loans ÷ deposits | 72.1% (stronger) | 86.5% |
| Uninsured deposits | 21.9% | 12.0% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 0.0% |
Legend Bank, N.A. has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Legend Bank, N.A. leads on 4 and 4u Federal Credit Union on 3. 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.