Side-by-side · Q2 2026 data
Manufacturers and Traders Trust Company vs Union Bank
Metric by metric
| Measure | Manufacturers and Traders Trust Company | Union Bank |
|---|---|---|
| TellerScore | 57 (stronger) | 45 |
| Capital cushion | 45 (stronger) | 28 |
| Loan quality | 55 | 55 |
| Earnings | 76 (stronger) | 52 |
| Funding & liquidity | 41 (stronger) | 32 |
| Problem-loan coverage | 87 (stronger) | 73 |
| Peer percentile | 11th | 4th |
| Total assets | $218.8B | $1.6B |
| Deposits / shares | $172.3B | $1.1B |
| Capital ratio | 9.51% (stronger) | 7.82% |
| Problem loans | 1.35% | 1.35% (stronger) |
| Net charge-offs | 0.26% | -0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 0.80% |
| Loans ÷ deposits | 81.9% (stronger) | 101.4% |
| Uninsured deposits | 48.9% | 39.5% (stronger) |
| Offices | 911 | 18 |
| CFPB complaints (3 yrs) | 3,367 | — |
| Complaints per $1B deposits | 19.5 | — |
| Mortgage denial rate (HMDA) | 32.9% | 5.0% |
Manufacturers and Traders Trust Company has the higher TellerScore (57 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Manufacturers and Traders Trust Company leads on 4 and Union Bank 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.
Where both have branches
- Morrisville, VT
- Saint Albans, VT
- Shelburne, VT
- Stowe, VT
- Williston, VT