Side-by-side · Q2 2026 data
Truist Bank vs Members Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Truist Bank | Members Credit Union |
|---|---|---|
| TellerScore | 63 | 85 (stronger) |
| Capital cushion | 48 | 98 (stronger) |
| Loan quality | 76 (stronger) | 73 |
| Earnings | 66 (stronger) | 62 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 61st | 87th |
| Total assets | $548.3B | $477.1M |
| Deposits / shares | $419.2B | $404.2M |
| Capital ratio | 9.82% | 14.83% (stronger) |
| Problem loans | 0.72% (stronger) | 0.82% |
| Net charge-offs | 0.55% (stronger) | 1.39% |
| Return on assets | 1.16% (stronger) | 1.06% |
| Loans ÷ deposits | 78.0% | 46.5% (stronger) |
| Uninsured deposits | 44.9% | 3.3% (stronger) |
| Offices | 1,908 | 16 |
| CFPB complaints (3 yrs) | 14,404 | — |
| Complaints per $1B deposits | 34.4 | — |
| Mortgage denial rate (HMDA) | 40.8% | — |
Members Credit Union has the higher TellerScore (85 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Truist Bank leads on 3 and Members 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.
Where both have branches
- Winston Salem, NC
- High Point, NC
- Gastonia, NC
- Lumberton, NC
- Lenoir, NC
- Lincolnton, NC
- Elkin, NC
- Mocksville, NC
- Morganton, NC
- Newton, NC
- Thomasville, NC
- Hope Mills, NC