Side-by-side · Q2 2026 data
UMB Bank, National Association vs Rincones Presbyterian Credit Union
Credit union
Rincones Presbyterian Credit Union
Chacon, New Mexico · Under $100 million in assets
Metric by metric
| Measure | UMB Bank, National Association | Rincones Presbyterian Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 64 |
| Capital cushion | 39 | 53 (stronger) |
| Loan quality | 89 (stronger) | 48 |
| Earnings | 75 | 90 (stronger) |
| Funding & liquidity | 43 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 54th | 28th |
| Total assets | $71.9B | $6.5M |
| Deposits / shares | $60.2B | $5.8M |
| Capital ratio | 8.89% | 10.33% (stronger) |
| Problem loans | 0.34% (stronger) | 1.55% |
| Net charge-offs | 0.17% | -0.03% (stronger) |
| Return on assets | 1.39% | 1.76% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 89.5% |
| Uninsured deposits | 63.6% | 7.3% (stronger) |
| Offices | 189 | 2 |
| CFPB complaints (3 yrs) | 306 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 30.5% | — |
UMB Bank, National Association has the higher TellerScore (65 vs 64). On the 7 directional measures above (where higher or lower is clearly better), UMB Bank, National Association leads on 3 and Rincones Presbyterian Credit Union on 4. 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.