Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Carpenters Federal Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Union Bank and Trust Company | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 38 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 55 | 74 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 47 | 95 (stronger) |
| Peer percentile | 2nd | 80th |
| Total assets | $253.4M | $44.3M |
| Deposits / shares | $230.9M | $37.6M |
| Capital ratio | 10.02% | 16.03% (stronger) |
| Problem loans | 3.13% | 1.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.87% | 1.35% (stronger) |
| Loans ÷ deposits | 49.2% (stronger) | 50.7% |
| Uninsured deposits | 67.4% | 2.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 2 and Carpenters 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.