Side-by-side · Q2 2026 data
Union Bank vs Preferred Credit Union
Metric by metric
| Measure | Union Bank | Preferred Credit Union |
|---|---|---|
| TellerScore | 53 | 87 (stronger) |
| Capital cushion | 38 | 93 (stronger) |
| Loan quality | 64 | 88 (stronger) |
| Earnings | 50 | 64 (stronger) |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 9th | 91st |
| Total assets | $396.7M | $318.1M |
| Deposits / shares | $313.5M | $270.6M |
| Capital ratio | 8.83% | 14.25% (stronger) |
| Problem loans | 1.07% | 0.37% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.47% |
| Return on assets | 0.75% | 1.11% (stronger) |
| Loans ÷ deposits | 100.6% | 58.2% (stronger) |
| Uninsured deposits | 25.0% | 3.1% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 14.6% |
Preferred Credit Union has the higher TellerScore (87 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Union Bank leads on 1 and Preferred Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Grand Rapids, MI
- Hastings, MI