Side-by-side · Q2 2026 data
UBank vs Central Bank
Metric by metric
| Measure | UBank | Central Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 81 (stronger) | 70 |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 68 (stronger) | 50 |
| Funding & liquidity | 45 | 79 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 53rd | 72nd |
| Total assets | $182.8M | $160.2M |
| Deposits / shares | $158.4M | $141.1M |
| Capital ratio | 13.14% (stronger) | 11.95% |
| Problem loans | 0.68% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.65% |
| Return on assets | 1.20% (stronger) | 0.75% |
| Loans ÷ deposits | 82.8% | 80.8% (stronger) |
| Uninsured deposits | 43.7% | 15.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Central Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 3 and Central Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.