Side-by-side · Q2 2026 data
Optum Bank, Inc. vs Comenity Capital Bank
Metric by metric
| Measure | Optum Bank, Inc. | Comenity Capital Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 58 |
| Capital cushion | 82 (stronger) | 78 |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 76 |
| Peer percentile | 100th | 20th |
| Total assets | $21.4B | $13.9B |
| Deposits / shares | $16.5B | $11.0B |
| Capital ratio | 13.22% (stronger) | 12.84% |
| Problem loans | 0.21% (stronger) | 3.21% |
| Net charge-offs | 0.23% (stronger) | 7.59% |
| Return on assets | 2.55% (stronger) | 1.65% |
| Loans ÷ deposits | 59.7% (stronger) | 95.0% |
| Uninsured deposits | 3.8% (stronger) | 8.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | 654 | — |
| Complaints per $1B deposits | 39.6 | — |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Optum Bank, Inc. leads on 7 and Comenity Capital Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.