Side-by-side · Q2 2026 data
Profinium, Inc. vs Luminate Bank
Metric by metric
| Measure | Profinium, Inc. | Luminate Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 47 |
| Capital cushion | 52 | 54 (stronger) |
| Loan quality | 96 (stronger) | 22 |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 1 |
| Problem-loan coverage | 98 (stronger) | 56 |
| Peer percentile | 50th | 5th |
| Total assets | $533.1M | $554.5M |
| Deposits / shares | $455.1M | $412.7M |
| Capital ratio | 10.17% | 10.40% (stronger) |
| Problem loans | 0.13% (stronger) | 2.33% |
| Net charge-offs | 0.05% (stronger) | 0.53% |
| Return on assets | 0.92% | 3.07% (stronger) |
| Loans ÷ deposits | 85.5% (stronger) | 108.8% |
| Uninsured deposits | 16.5% (stronger) | 63.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
Profinium, Inc. has the higher TellerScore (72 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Profinium, Inc. leads on 5 and Luminate Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.