Side-by-side · Q2 2026 data
United Bank vs Marine Federal Credit Union
Credit union
Marine Federal Credit Union
Jacksonville, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | United Bank | Marine Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 57 |
| Capital cushion | 66 (stronger) | 54 |
| Loan quality | 85 (stronger) | 55 |
| Earnings | 82 (stronger) | 43 |
| Funding & liquidity | 44 | 73 (stronger) |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 87th | 17th |
| Total assets | $33.6B | $1.1B |
| Deposits / shares | $27.3B | $981.1M |
| Capital ratio | 11.60% (stronger) | 10.41% |
| Problem loans | 0.44% (stronger) | 1.36% |
| Net charge-offs | 0.09% (stronger) | 1.82% |
| Return on assets | 1.56% (stronger) | 0.58% |
| Loans ÷ deposits | 90.5% | 87.0% (stronger) |
| Uninsured deposits | 38.3% | 7.9% (stronger) |
| Offices | 232 | 15 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 3.5 | — |
| Mortgage denial rate (HMDA) | 20.3% | 18.7% |
United Bank has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 5 and Marine Federal 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.