Side-by-side · Q2 2026 data
Sovereign Bank vs Tinker Federal Credit Union
Metric by metric
| Measure | Sovereign Bank | Tinker Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 53 | 97 (stronger) |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 45 | 53 (stronger) |
| Funding & liquidity | 28 | 91 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 33rd | 92nd |
| Total assets | $1.5B | $6.1B |
| Deposits / shares | $1.2B | $5.2B |
| Capital ratio | 10.29% | 14.72% (stronger) |
| Problem loans | 0.06% (stronger) | 0.63% |
| Net charge-offs | -0.00% (stronger) | 0.96% |
| Return on assets | 0.63% | 0.82% (stronger) |
| Loans ÷ deposits | 99.7% | 69.1% (stronger) |
| Uninsured deposits | 44.8% | 13.5% (stronger) |
| Offices | 9 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 33.6% |
Tinker Federal Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sovereign Bank leads on 2 and Tinker Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.