Side-by-side · Q2 2026 data
Optum Bank, Inc. vs Thrivent Bank
Metric by metric
| Measure | Optum Bank, Inc. | Thrivent Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 71 |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 100th | 47th |
| Total assets | $21.4B | $905.6M |
| Deposits / shares | $16.5B | $548.1M |
| Capital ratio | 13.22% | 29.76% (stronger) |
| Problem loans | 0.21% (stronger) | 0.26% |
| Net charge-offs | 0.23% (stronger) | 0.28% |
| Return on assets | 2.55% (stronger) | -1.62% |
| Loans ÷ deposits | 59.7% (stronger) | 104.3% |
| Uninsured deposits | 3.8% (stronger) | 9.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | 654 | — |
| Complaints per $1B deposits | 39.6 | — |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Optum Bank, Inc. leads on 6 and Thrivent Bank on 1. 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.