Side-by-side · Q2 2026 data
Pointwest Bank vs 1st University Credit Union
Metric by metric
| Measure | Pointwest Bank | 1st University Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 75 (stronger) | 50 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 89 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 95th | 30th |
| Total assets | $137.3M | $18.5M |
| Deposits / shares | $121.8M | $16.0M |
| Capital ratio | 12.54% (stronger) | 10.02% |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | 0.02% (stronger) | 0.16% |
| Return on assets | 1.72% (stronger) | 0.15% |
| Loans ÷ deposits | 40.1% (stronger) | 69.3% |
| Uninsured deposits | 12.0% | 1.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pointwest Bank has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Pointwest Bank leads on 6 and 1st University Credit Union 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.