Side-by-side · Q2 2026 data
Silex Banking Company vs United Credit Union
Metric by metric
| Measure | Silex Banking Company | United Credit Union |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 70 | 87 (stronger) |
| Earnings | 62 | 68 (stronger) |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 68th | 92nd |
| Total assets | $98.2M | $302.1M |
| Deposits / shares | $84.4M | $253.5M |
| Capital ratio | 14.67% | 15.17% (stronger) |
| Problem loans | 0.91% | 0.40% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.64% |
| Return on assets | 1.05% | 1.19% (stronger) |
| Loans ÷ deposits | 72.8% (stronger) | 75.5% |
| Uninsured deposits | 15.8% | 6.3% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Silex Banking Company leads on 2 and United Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.