Side-by-side · Q2 2026 data
United Bank vs Macon-Bibb Employees Credit Union
Metric by metric
| Measure | United Bank | Macon-Bibb Employees Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 63 |
| Capital cushion | 78 (stronger) | 58 |
| Loan quality | 92 (stronger) | 85 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 87 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 99th | 26th |
| Total assets | $2.2B | $2.7M |
| Deposits / shares | $1.9B | $2.4M |
| Capital ratio | 12.75% (stronger) | 10.76% |
| Problem loans | 0.23% (stronger) | 0.45% |
| Net charge-offs | -0.00% | -0.28% (stronger) |
| Return on assets | 2.50% (stronger) | -1.86% |
| Loans ÷ deposits | 49.3% (stronger) | 63.3% |
| Uninsured deposits | 27.0% | 0.0% (stronger) |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
United Bank has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 5 and Macon-Bibb Employees Credit Union on 2. 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.