Side-by-side · Q2 2026 data
The Upstate National Bank vs Ed-Med Federal Credit Union
Metric by metric
| Measure | The Upstate National Bank | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 76 (stronger) |
| Capital cushion | 52 | 75 (stronger) |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 23 | 63 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 24th | 54th |
| Total assets | $294.8M | $34.7M |
| Deposits / shares | $208.8M | $30.3M |
| Capital ratio | 10.19% | 12.51% (stronger) |
| Problem loans | 0.00% (stronger) | 1.08% |
| Net charge-offs | -0.00% | -0.08% (stronger) |
| Return on assets | 0.07% | 1.07% (stronger) |
| Loans ÷ deposits | 110.3% | 42.2% (stronger) |
| Uninsured deposits | 10.2% | 1.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ed-Med Federal Credit Union has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Upstate National Bank leads on 1 and Ed-Med Federal Credit Union on 6. 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.