Side-by-side · Q2 2026 data
Murphy Bank vs United Local Credit Union
Metric by metric
| Measure | Murphy Bank | United Local Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 79 |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 100 (stronger) | 18 |
| Funding & liquidity | 49 | 80 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 92nd | 76th |
| Total assets | $357.2M | $119.3M |
| Deposits / shares | $296.9M | $94.6M |
| Capital ratio | 14.89% | 20.14% (stronger) |
| Problem loans | 0.39% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.58% |
| Return on assets | 2.46% (stronger) | -0.05% |
| Loans ÷ deposits | 101.3% | 80.7% (stronger) |
| Uninsured deposits | 23.6% | 9.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Murphy Bank has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Murphy Bank leads on 3 and United Local Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.