Side-by-side · Q2 2026 data
Sound Banking Company vs Sound Credit Union
Metric by metric
| Measure | Sound Banking Company | Sound Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 63 |
| Capital cushion | 71 (stronger) | 60 |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 39 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 70th | 33rd |
| Total assets | $45.2M | $3.4B |
| Deposits / shares | $39.6M | $2.9B |
| Capital ratio | 12.08% (stronger) | 11.01% |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | 0.07% (stronger) | 0.90% |
| Return on assets | 2.52% (stronger) | 0.94% |
| Loans ÷ deposits | 96.6% | 93.7% (stronger) |
| Uninsured deposits | 37.4% | 12.5% (stronger) |
| Offices | 1 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.8% |
Sound Banking Company has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Sound Banking Company leads on 5 and Sound Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.