Side-by-side · Q2 2026 data
Minster Bank vs Universal 1 Credit Union
Metric by metric
| Measure | Minster Bank | Universal 1 Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 51 | 74 (stronger) |
| Loan quality | 95 (stronger) | 49 |
| Earnings | 85 (stronger) | 48 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 75th | 45th |
| Total assets | $811.6M | $424.7M |
| Deposits / shares | $719.4M | $370.1M |
| Capital ratio | 10.08% | 12.42% (stronger) |
| Problem loans | 0.14% (stronger) | 1.53% |
| Net charge-offs | 0.01% (stronger) | 1.37% |
| Return on assets | 1.62% (stronger) | 0.71% |
| Loans ÷ deposits | 63.5% | 58.0% (stronger) |
| Uninsured deposits | 24.7% | 2.6% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.8% |
Minster Bank has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Minster Bank leads on 4 and Universal 1 Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.