Side-by-side · Q2 2026 data
Sanger Bank vs 4u Federal Credit Union
Metric by metric
| Measure | Sanger Bank | 4u Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 83 | 99 (stronger) |
| Earnings | 65 (stronger) | 29 |
| Funding & liquidity | 81 (stronger) | 74 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 90th | 29th |
| Total assets | $224.4M | $156.2M |
| Deposits / shares | $186.6M | $140.6M |
| Capital ratio | 16.53% (stronger) | 8.91% |
| Problem loans | 0.51% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.13% (stronger) | 0.23% |
| Loans ÷ deposits | 66.0% (stronger) | 86.5% |
| Uninsured deposits | 27.0% | 12.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Sanger Bank has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Sanger Bank leads on 5 and 4u Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.