Side-by-side · Q2 2026 data
Union Bank and Trust Company vs Ziegler Federal Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Union Bank and Trust Company | Ziegler Federal Credit Union |
|---|---|---|
| TellerScore | 38 | 87 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 55 | 88 (stronger) |
| Funding & liquidity | 50 | 91 (stronger) |
| Problem-loan coverage | 47 | 96 (stronger) |
| Peer percentile | 2nd | 83rd |
| Total assets | $253.4M | $4.3M |
| Deposits / shares | $230.9M | $3.2M |
| Capital ratio | 10.02% | 26.88% (stronger) |
| Problem loans | 3.13% | 1.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 0.87% | 1.71% (stronger) |
| Loans ÷ deposits | 49.2% (stronger) | 69.0% |
| Uninsured deposits | 67.4% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Union Bank and Trust Company leads on 2 and Ziegler 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.