Side-by-side · Q2 2026 data
UBank vs First Command Bank
Metric by metric
| Measure | UBank | First Command Bank |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 53rd | 93rd |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $945.7M | $966.1M |
| Capital ratio | 10.46% (stronger) | 10.20% |
| Problem loans | 0.46% | 0.42% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.54% |
| Return on assets | 1.42% | 2.31% (stronger) |
| Loans ÷ deposits | 89.5% | 50.6% (stronger) |
| Uninsured deposits | 34.8% | 5.1% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
First Command Bank has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 2 and First Command Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.