Side-by-side · Q2 2026 data
Union State Bank vs Millennial Bank
Metric by metric
| Measure | Union State Bank | Millennial Bank |
|---|---|---|
| TellerScore | 50 | 64 (stronger) |
| Capital cushion | 46 (stronger) | 38 |
| Loan quality | 33 | 100 (stronger) |
| Earnings | 37 | 50 (stronger) |
| Funding & liquidity | 91 (stronger) | 51 |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 7th | 26th |
| Total assets | $212.5M | $201.3M |
| Deposits / shares | $191.7M | $183.9M |
| Capital ratio | 9.61% (stronger) | 8.78% |
| Problem loans | 2.00% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 0.43% | 0.75% (stronger) |
| Loans ÷ deposits | 51.2% (stronger) | 88.1% |
| Uninsured deposits | 23.0% (stronger) | 34.3% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Millennial Bank has the higher TellerScore (64 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 4 and Millennial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.