Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Northern Colorado Credit Union
Metric by metric
| Measure | Union Bank and Trust Company | Northern Colorado Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 56 | 59 (stronger) |
| Loan quality | 89 (stronger) | 64 |
| Earnings | 86 (stronger) | 33 |
| Funding & liquidity | 69 | 97 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 80th | 28th |
| Total assets | $9.2B | $76.3M |
| Deposits / shares | $7.5B | $67.9M |
| Capital ratio | 10.65% | 10.85% (stronger) |
| Problem loans | 0.32% (stronger) | 1.08% |
| Net charge-offs | 0.10% (stronger) | 0.21% |
| Return on assets | 1.66% (stronger) | 0.33% |
| Loans ÷ deposits | 91.6% | 63.7% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 12.8% |
| Offices | 37 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 13.0% |
Union Bank and Trust Company has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 5 and Northern Colorado Credit Union on 2. 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.