Side-by-side · Q2 2026 data
UniBank vs Qualstar Credit Union
Metric by metric
| Measure | UniBank | Qualstar Credit Union |
|---|---|---|
| TellerScore | 50 | 80 (stronger) |
| Capital cushion | 23 | 100 (stronger) |
| Loan quality | 82 (stronger) | 53 |
| Earnings | 10 | 76 (stronger) |
| Funding & liquidity | 76 | 87 (stronger) |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 7th | 78th |
| Total assets | $393.0M | $939.3M |
| Deposits / shares | $322.6M | $774.6M |
| Capital ratio | 7.31% | 15.99% (stronger) |
| Problem loans | 0.54% (stronger) | 1.41% |
| Net charge-offs | -1.39% (stronger) | 1.48% |
| Return on assets | -0.25% | 1.40% (stronger) |
| Loans ÷ deposits | 83.0% | 73.2% (stronger) |
| Uninsured deposits | 16.0% | 8.5% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.1% |
Qualstar Credit Union has the higher TellerScore (80 vs 50). On the 7 directional measures above (where higher or lower is clearly better), UniBank leads on 2 and Qualstar Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.