Side-by-side · Q2 2026 data
Union State Bank vs Gundersen Credit Union
Metric by metric
| Measure | Union State Bank | Gundersen Credit Union |
|---|---|---|
| TellerScore | 82 | 82 |
| Capital cushion | 72 | 88 (stronger) |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 74 (stronger) | 54 |
| Funding & liquidity | 81 (stronger) | 69 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 82nd | 70th |
| Total assets | $117.6M | $85.3M |
| Deposits / shares | $97.4M | $73.0M |
| Capital ratio | 12.15% | 13.80% (stronger) |
| Problem loans | 0.14% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.34% (stronger) | 0.84% |
| Loans ÷ deposits | 79.6% (stronger) | 91.0% |
| Uninsured deposits | 14.1% | 3.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Union State Bank leads on 3 and Gundersen Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.