Side-by-side · Q2 2026 data
Luminate Bank vs Think Mutual Bank
Metric by metric
| Measure | Luminate Bank | Think Mutual Bank |
|---|---|---|
| TellerScore | 47 | 86 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 22 | 92 (stronger) |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 1 | 95 (stronger) |
| Problem-loan coverage | 56 | 98 (stronger) |
| Peer percentile | 5th | 97th |
| Total assets | $554.5M | $2.2B |
| Deposits / shares | $412.7M | $1.9B |
| Capital ratio | 10.40% | 16.25% (stronger) |
| Problem loans | 2.33% | 0.25% (stronger) |
| Net charge-offs | 0.53% | 0.05% (stronger) |
| Return on assets | 3.07% (stronger) | 0.63% |
| Loans ÷ deposits | 108.8% | 64.8% (stronger) |
| Uninsured deposits | 63.3% | 5.8% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 12.2% |
Think Mutual Bank has the higher TellerScore (86 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Luminate Bank leads on 1 and Think Mutual Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.