Side-by-side · Q2 2026 data
United Bank and Trust Company vs Ace Credit Union
Metric by metric
| Measure | United Bank and Trust Company | Ace Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 89 |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 94 (stronger) | 52 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 87th |
| Total assets | $228.4M | $7.5M |
| Deposits / shares | $199.7M | $5.9M |
| Capital ratio | 14.83% | 20.94% (stronger) |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.84% (stronger) | 0.80% |
| Loans ÷ deposits | 60.9% | 27.6% (stronger) |
| Uninsured deposits | 20.6% | 0.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Bank and Trust Company has the higher TellerScore (97 vs 89). On the 6 directional measures above (where higher or lower is clearly better), United Bank and Trust Company leads on 3 and Ace 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.