Side-by-side · Q2 2026 data
Union Bank & Trust Company vs Ascend Federal Credit Union
Metric by metric
| Measure | Union Bank & Trust Company | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 79 | 96 (stronger) |
| Loan quality | 12 | 84 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 77 (stronger) | 70 |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 28th | 92nd |
| Total assets | $98.1M | $4.8B |
| Deposits / shares | $85.0M | $3.9B |
| Capital ratio | 12.87% | 14.55% (stronger) |
| Problem loans | 2.63% | 0.49% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.44% |
| Return on assets | 2.02% (stronger) | 1.20% |
| Loans ÷ deposits | 78.4% (stronger) | 90.5% |
| Uninsured deposits | 19.0% | 10.1% (stronger) |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Ascend Federal Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Union Bank & Trust Company leads on 3 and Ascend Federal Credit Union on 4. 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.