Side-by-side · Q2 2026 data
The Bank vs Old Spanish Trail Credit Union
Metric by metric
| Measure | The Bank | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 90 (stronger) | 27 |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 84th | 57th |
| Total assets | $462.0M | $5.5M |
| Deposits / shares | $396.3M | $3.8M |
| Capital ratio | 12.76% | 30.51% (stronger) |
| Problem loans | 0.48% | 0.31% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.48% |
| Return on assets | 1.75% (stronger) | 0.16% |
| Loans ÷ deposits | 82.8% (stronger) | 97.5% |
| Uninsured deposits | 17.4% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
The Bank has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Bank leads on 4 and Old Spanish Trail Credit Union on 3. 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.