Side-by-side · Q2 2026 data
Morgan Stanley Bank, National Association vs Beckstrand and Associates Credit Union
Credit union
Beckstrand and Associates Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Morgan Stanley Bank, National Association | Beckstrand and Associates Credit Union |
|---|---|---|
| TellerScore | 74 | 93 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 84 | — |
| Earnings | 82 (stronger) | 74 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 97th | 94th |
| Total assets | $419.3B | $166K |
| Deposits / shares | $278.9B | $115 |
| Capital ratio | 10.44% | 99.93% (stronger) |
| Problem loans | 0.47% | — |
| Net charge-offs | 0.08% | — |
| Return on assets | 1.56% (stronger) | 1.35% |
| Loans ÷ deposits | 41.1% | 0.0% (stronger) |
| Uninsured deposits | 42.4% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beckstrand and Associates Credit Union has the higher TellerScore (93 vs 74). On the 5 directional measures above (where higher or lower is clearly better), Morgan Stanley Bank, National Association leads on 1 and Beckstrand and Associates Credit Union on 4. 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.