Side-by-side · Q2 2026 data
Lusitania Savings Bank vs Union Building Trades Federal Credit Union
Credit union
Union Building Trades Federal Credit Union
Parsippany, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Lusitania Savings Bank | Union Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 94 (stronger) | 72 |
| Earnings | 39 (stronger) | 29 |
| Funding & liquidity | 96 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 90th | 42nd |
| Total assets | $418.1M | $85.8M |
| Deposits / shares | $353.5M | $71.7M |
| Capital ratio | 14.97% (stronger) | 12.78% |
| Problem loans | 0.19% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.48% (stronger) | 0.22% |
| Loans ÷ deposits | 63.9% | 60.9% (stronger) |
| Uninsured deposits | 7.3% | 1.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Lusitania Savings Bank has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Lusitania Savings Bank leads on 5 and Union Building Trades Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.