Side-by-side · Q2 2026 data
Spectra Bank vs Metro Medical Credit Union
Metric by metric
| Measure | Spectra Bank | Metro Medical Credit Union |
|---|---|---|
| TellerScore | 59 | 91 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 28 | 84 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 17th | 90th |
| Total assets | $126.7M | $82.7M |
| Deposits / shares | $110.8M | $67.2M |
| Capital ratio | 7.88% | 17.85% (stronger) |
| Problem loans | 0.00% (stronger) | 0.66% |
| Net charge-offs | 0.25% (stronger) | 0.28% |
| Return on assets | 0.20% | 1.60% (stronger) |
| Loans ÷ deposits | 77.9% | 39.7% (stronger) |
| Uninsured deposits | 29.8% | 10.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 37.5% |
Metro Medical Credit Union has the higher TellerScore (91 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spectra Bank leads on 2 and Metro Medical Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.