Side-by-side · Q2 2026 data
The Union Bank Company vs Nickel Steel Federal Credit Union
Metric by metric
| Measure | The Union Bank Company | Nickel Steel Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 57 (stronger) | 0 |
| Funding & liquidity | 74 | 97 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 74th | 54th |
| Total assets | $1.4B | $5.2M |
| Deposits / shares | $1.2B | $3.5M |
| Capital ratio | 10.78% | 33.12% (stronger) |
| Problem loans | 0.12% (stronger) | 0.42% |
| Net charge-offs | 0.02% (stronger) | 2.27% |
| Return on assets | 0.92% (stronger) | -1.10% |
| Loans ÷ deposits | 71.7% | 63.2% (stronger) |
| Uninsured deposits | 28.2% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Nickel Steel Federal Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Union Bank Company leads on 3 and Nickel Steel Federal Credit Union on 4. 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.