Side-by-side · Q2 2026 data
United Bank & Trust vs C & R Credit Union
Metric by metric
| Measure | United Bank & Trust | C & R Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 65 | 73 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 81 (stronger) | 25 |
| Funding & liquidity | 58 | 87 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 75th | 40th |
| Total assets | $892.9M | $4.3M |
| Deposits / shares | $714.1M | $3.8M |
| Capital ratio | 11.51% | 12.28% (stronger) |
| Problem loans | 0.00% (stronger) | 0.51% |
| Net charge-offs | -0.00% (stronger) | 2.22% |
| Return on assets | 1.53% (stronger) | 0.13% |
| Loans ÷ deposits | 92.9% | 73.4% (stronger) |
| Uninsured deposits | 23.5% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | — |
United Bank & Trust has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), United Bank & Trust leads on 4 and C & R Credit Union on 3. 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
- Clay Center, KS