Side-by-side · Q2 2026 data
United Bay Community Credit Union vs Soo Co-Op Credit Union
Metric by metric
| Measure | United Bay Community Credit Union | Soo Co-Op Credit Union |
|---|---|---|
| TellerScore | 55 | 88 (stronger) |
| Capital cushion | 25 | 87 (stronger) |
| Loan quality | 80 | 89 (stronger) |
| Earnings | 40 | 76 (stronger) |
| Funding & liquidity | 71 | 95 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 12th | 92nd |
| Total assets | $301.7M | $324.4M |
| Deposits / shares | $276.1M | $281.4M |
| Capital ratio | 7.54% | 13.67% (stronger) |
| Problem loans | 0.60% | 0.32% (stronger) |
| Net charge-offs | 0.28% | 0.20% (stronger) |
| Return on assets | 0.50% | 1.41% (stronger) |
| Loans ÷ deposits | 89.7% | 64.8% (stronger) |
| Uninsured deposits | 0.9% | 0.6% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
Soo Co-Op Credit Union has the higher TellerScore (88 vs 55). On the 7 directional measures above (where higher or lower is clearly better), United Bay Community Credit Union leads on 0 and Soo Co-Op Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.