Side-by-side · Q2 2026 data
UBank vs East Texas Professional Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | UBank | East Texas Professional Credit Union |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 77 | 91 (stronger) |
| Funding & liquidity | 49 | 75 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 53rd | 98th |
| Total assets | $1.0B | $1.4B |
| Deposits / shares | $945.7M | $1.2B |
| Capital ratio | 10.46% | 19.38% (stronger) |
| Problem loans | 0.46% | 0.41% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.38% |
| Return on assets | 1.42% | 1.78% (stronger) |
| Loans ÷ deposits | 89.5% | 84.9% (stronger) |
| Uninsured deposits | 34.8% | 2.1% (stronger) |
| Offices | 8 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | 23.5% |
East Texas Professional Credit Union has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 1 and East Texas Professional Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.