Side-by-side · Q2 2026 data
Pointbank vs Safe 1 Credit Union
Metric by metric
| Measure | Pointbank | Safe 1 Credit Union |
|---|---|---|
| TellerScore | 53 | 90 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 41 | 88 (stronger) |
| Earnings | 58 | 90 (stronger) |
| Funding & liquidity | 78 (stronger) | 68 |
| Problem-loan coverage | 77 | 96 (stronger) |
| Peer percentile | 11th | 98th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $968.3M | $963.8M |
| Capital ratio | 8.99% | 16.03% (stronger) |
| Problem loans | 1.77% | 0.37% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.40% |
| Return on assets | 0.95% | 1.74% (stronger) |
| Loans ÷ deposits | 60.2% (stronger) | 92.4% |
| Uninsured deposits | 35.0% | 1.8% (stronger) |
| Offices | 9 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 12.3% |
Safe 1 Credit Union has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Pointbank leads on 2 and Safe 1 Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.