Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Nebraska Energy Federal Credit Union
Credit union
Nebraska Energy Federal Credit Union
Columbus, Nebraska · $100 million – $1 billion
Metric by metric
| Measure | Union Bank and Trust Company | Nebraska Energy Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 86 (stronger) | 74 |
| Funding & liquidity | 69 (stronger) | 54 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 80th | 91st |
| Total assets | $9.2B | $327.7M |
| Deposits / shares | $7.5B | $262.4M |
| Capital ratio | 10.65% | 19.32% (stronger) |
| Problem loans | 0.32% | 0.05% (stronger) |
| Net charge-offs | 0.10% | 0.05% (stronger) |
| Return on assets | 1.66% (stronger) | 1.36% |
| Loans ÷ deposits | 91.6% (stronger) | 106.6% |
| Uninsured deposits | 11.8% | 2.1% (stronger) |
| Offices | 37 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Nebraska Energy Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 2 and Nebraska Energy Federal Credit Union on 5. 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.