Side-by-side · Q2 2026 data
Union Savings Bank vs Erebor Bank, N.A.
Metric by metric
| Measure | Union Savings Bank | Erebor Bank, N.A. |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 61 | 86 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 74th | 86th |
| Total assets | $4.0B | $4.7B |
| Deposits / shares | $3.5B | $4.1B |
| Capital ratio | 10.51% | 38.81% (stronger) |
| Problem loans | 0.70% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 2.01% (stronger) | -1.03% |
| Loans ÷ deposits | 99.7% | 1.9% (stronger) |
| Uninsured deposits | 13.4% (stronger) | 27.6% |
| Offices | 39 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Erebor Bank, N.A. has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Union Savings Bank leads on 3 and Erebor Bank, N.A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.