Side-by-side · Q2 2026 data
State Street Bank and Trust Company vs United Community Credit Union
Metric by metric
| Measure | State Street Bank and Trust Company | United Community Credit Union |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 87 | 87 |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 71 | 71 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 68th | 86th |
| Total assets | $357.1M | $134.1M |
| Deposits / shares | $315.5M | $113.2M |
| Capital ratio | 9.99% | 15.41% (stronger) |
| Problem loans | 0.39% (stronger) | 0.40% |
| Net charge-offs | 0.10% (stronger) | 0.38% |
| Return on assets | 2.40% (stronger) | 1.05% |
| Loans ÷ deposits | 88.8% (stronger) | 89.4% |
| Uninsured deposits | 9.6% | 2.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Community Credit Union has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), State Street Bank and Trust Company leads on 4 and United Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.