Side-by-side · Q2 2026 data
UBank vs T Bank, National Association
Metric by metric
| Measure | UBank | T Bank, National Association |
|---|---|---|
| TellerScore | 69 (stronger) | 45 |
| Capital cushion | 55 | 57 (stronger) |
| Loan quality | 85 (stronger) | 4 |
| Earnings | 77 (stronger) | 69 |
| Funding & liquidity | 49 | 52 (stronger) |
| Problem-loan coverage | 89 (stronger) | 52 |
| Peer percentile | 53rd | 4th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $945.7M | $955.6M |
| Capital ratio | 10.46% | 10.67% (stronger) |
| Problem loans | 0.46% (stronger) | 2.89% |
| Net charge-offs | 0.07% (stronger) | 0.34% |
| Return on assets | 1.42% (stronger) | 1.22% |
| Loans ÷ deposits | 89.5% (stronger) | 95.1% |
| Uninsured deposits | 34.8% | 27.3% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
UBank has the higher TellerScore (69 vs 45). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 5 and T Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.