Side-by-side · Q2 2026 data
Union State Bank vs Firefighters Credit Union
Metric by metric
| Measure | Union State Bank | Firefighters Credit Union |
|---|---|---|
| TellerScore | 82 | 83 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 95 (stronger) | 81 |
| Earnings | 74 | 74 |
| Funding & liquidity | 81 (stronger) | 59 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 82nd | 83rd |
| Total assets | $117.6M | $133.0M |
| Deposits / shares | $97.4M | $110.4M |
| Capital ratio | 12.15% | 16.12% (stronger) |
| Problem loans | 0.14% (stronger) | 0.57% |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 1.34% | 1.35% (stronger) |
| Loans ÷ deposits | 79.6% (stronger) | 100.9% |
| Uninsured deposits | 14.1% | 4.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
Firefighters Credit Union has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 3 and Firefighters Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.