Side-by-side · Q2 2026 data
Transact Bank, National Association vs On Tap Credit Union
Metric by metric
| Measure | Transact Bank, National Association | On Tap Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 100 (stronger) | 54 |
| Earnings | 33 | 100 (stronger) |
| Funding & liquidity | 98 (stronger) | 71 |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 81st | 34th |
| Total assets | $6.5M | $474.0M |
| Deposits / shares | $5.1M | $391.8M |
| Capital ratio | 16.27% (stronger) | 9.21% |
| Problem loans | 0.00% (stronger) | 1.38% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 0.33% | 2.26% (stronger) |
| Loans ÷ deposits | 43.9% (stronger) | 78.1% |
| Uninsured deposits | 16.9% (stronger) | 25.2% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.2% |
Transact Bank, National Association has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Transact Bank, National Association leads on 6 and On Tap Credit Union on 1. 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.