Side-by-side · Q2 2026 data
United Bank vs Midsouth Community Federal Credit Union
Metric by metric
| Measure | United Bank | Midsouth Community Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 77 |
| Capital cushion | 78 | 93 (stronger) |
| Loan quality | 92 (stronger) | 67 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 87 (stronger) | 82 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 99th | 71st |
| Total assets | $2.2B | $484.5M |
| Deposits / shares | $1.9B | $415.1M |
| Capital ratio | 12.75% | 14.30% (stronger) |
| Problem loans | 0.23% (stronger) | 0.98% |
| Net charge-offs | -0.00% (stronger) | 1.07% |
| Return on assets | 2.50% (stronger) | 0.85% |
| Loans ÷ deposits | 49.3% (stronger) | 78.7% |
| Uninsured deposits | 27.0% | 6.4% (stronger) |
| Offices | 17 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
United Bank has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 5 and Midsouth Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.