Side-by-side · Q2 2026 data
United Bank vs The Southern Credit Union
Metric by metric
| Measure | United Bank | The Southern Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 78 (stronger) | 66 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 99th | 68th |
| Total assets | $2.2B | $560.2M |
| Deposits / shares | $1.9B | $499.1M |
| Capital ratio | 12.75% (stronger) | 11.60% |
| Problem loans | 0.23% | 0.10% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.15% |
| Return on assets | 2.50% (stronger) | 0.43% |
| Loans ÷ deposits | 49.3% | 42.0% (stronger) |
| Uninsured deposits | 27.0% | 6.3% (stronger) |
| Offices | 17 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | — |
United Bank has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 4 and The Southern Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.