Side-by-side · Q2 2026 data
UBank vs Angelina County Teachers Credit Union
Credit union
Angelina County Teachers Credit Union
Lufkin, Texas · Under $100 million in assets
Metric by metric
| Measure | UBank | Angelina County Teachers Credit Union |
|---|---|---|
| TellerScore | 69 | 100 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 85 | 99 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 53rd | 100th |
| Total assets | $1.0B | $12.9M |
| Deposits / shares | $945.7M | $10.5M |
| Capital ratio | 10.46% | 18.38% (stronger) |
| Problem loans | 0.46% | 0.04% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.20% |
| Return on assets | 1.42% | 2.33% (stronger) |
| Loans ÷ deposits | 89.5% | 36.6% (stronger) |
| Uninsured deposits | 34.8% | 4.9% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Angelina County Teachers Credit Union has the higher TellerScore (100 vs 69). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 1 and Angelina County Teachers 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.