Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs The Union Banking Company
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | The Union Banking Company |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 86 (stronger) | 58 |
| Loan quality | 97 (stronger) | 78 |
| Earnings | 52 (stronger) | 30 |
| Funding & liquidity | 82 | 86 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 73rd | 26th |
| Total assets | $60.0M | $54.5M |
| Deposits / shares | $52.1M | $45.4M |
| Capital ratio | 13.60% (stronger) | 10.77% |
| Problem loans | 0.09% (stronger) | 0.67% |
| Net charge-offs | -0.13% (stronger) | 0.00% |
| Return on assets | 0.80% (stronger) | 0.24% |
| Loans ÷ deposits | 78.2% | 18.5% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 27.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 6 and The Union Banking Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.