Side-by-side · Q2 2026 data
Union State Bank vs Altra Federal Credit Union
Metric by metric
| Measure | Union State Bank | Altra Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 78 |
| Capital cushion | 72 | 77 (stronger) |
| Loan quality | 95 (stronger) | 85 |
| Earnings | 74 | 86 (stronger) |
| Funding & liquidity | 81 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 82nd | 84th |
| Total assets | $117.6M | $3.1B |
| Deposits / shares | $97.4M | $2.6B |
| Capital ratio | 12.15% | 12.68% (stronger) |
| Problem loans | 0.14% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.50% |
| Return on assets | 1.34% | 1.66% (stronger) |
| Loans ÷ deposits | 79.6% (stronger) | 109.8% |
| Uninsured deposits | 14.1% (stronger) | 14.2% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 9.3% |
Union State Bank has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 5 and Altra Federal Credit Union on 2. 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.
Where both have branches
- West Salem, WI