Side-by-side · Q2 2026 data
Optum Bank, Inc. vs Ally Bank
Metric by metric
| Measure | Optum Bank, Inc. | Ally Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 65 |
| Capital cushion | 82 (stronger) | 46 |
| Loan quality | 93 (stronger) | 72 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 100th | 81st |
| Total assets | $21.4B | $188.2B |
| Deposits / shares | $16.5B | $156.6B |
| Capital ratio | 13.22% (stronger) | 9.60% |
| Problem loans | 0.21% (stronger) | 0.85% |
| Net charge-offs | 0.23% (stronger) | 1.15% |
| Return on assets | 2.55% (stronger) | 1.20% |
| Loans ÷ deposits | 59.7% (stronger) | 89.6% |
| Uninsured deposits | 3.8% (stronger) | 10.4% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | 654 | 15,221 |
| Complaints per $1B deposits | 39.6 (stronger) | 97.2 |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 65). On the 8 directional measures above (where higher or lower is clearly better), Optum Bank, Inc. leads on 8 and Ally Bank on 0. 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.