Side-by-side · Q2 2026 data
SoFi Bank, National Association vs Optum Bank, Inc.
Metric by metric
| Measure | SoFi Bank, National Association | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 88 | 93 (stronger) |
| Capital cushion | 83 (stronger) | 82 |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 100th |
| Total assets | $56.8B | $21.4B |
| Deposits / shares | $46.8B | $16.5B |
| Capital ratio | 13.34% (stronger) | 13.22% |
| Problem loans | 0.08% (stronger) | 0.21% |
| Net charge-offs | 0.08% (stronger) | 0.23% |
| Return on assets | 1.98% | 2.55% (stronger) |
| Loans ÷ deposits | 99.8% | 59.7% (stronger) |
| Uninsured deposits | 5.0% | 3.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | 7,444 | 652 |
| Complaints per $1B deposits | 159.1 | 39.5 (stronger) |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 88). On the 8 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 3 and Optum Bank, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.