Side-by-side · Q2 2026 data
Royal Business Bank vs Ventura County Credit Union
Metric by metric
| Measure | Royal Business Bank | Ventura County Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 47 |
| Capital cushion | 75 (stronger) | 51 |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 67 | 68 (stronger) |
| Funding & liquidity | 27 | 82 (stronger) |
| Problem-loan coverage | 86 (stronger) | 57 |
| Peer percentile | 49th | 4th |
| Total assets | $4.3B | $1.5B |
| Deposits / shares | $3.5B | $1.3B |
| Capital ratio | 12.54% (stronger) | 10.14% |
| Problem loans | 0.72% (stronger) | 3.17% |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 1.18% | 1.21% (stronger) |
| Loans ÷ deposits | 93.9% | 78.2% (stronger) |
| Uninsured deposits | 50.7% | 9.5% (stronger) |
| Offices | 24 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 15.6% |
Royal Business Bank has the higher TellerScore (68 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Royal Business Bank leads on 4 and Ventura County Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.