Side-by-side · Q2 2026 data
United Citizens Bank & Trust Company vs Transcend Credit Union
Metric by metric
| Measure | United Citizens Bank & Trust Company | Transcend Credit Union |
|---|---|---|
| TellerScore | 56 | 83 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 41 | 96 (stronger) |
| Earnings | 62 | 68 (stronger) |
| Funding & liquidity | 71 (stronger) | 69 |
| Problem-loan coverage | 72 | 99 (stronger) |
| Peer percentile | 13th | 83rd |
| Total assets | $219.3M | $588.3M |
| Deposits / shares | $197.5M | $473.2M |
| Capital ratio | 10.02% | 13.37% (stronger) |
| Problem loans | 1.78% | 0.13% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.18% |
| Return on assets | 1.05% | 1.19% (stronger) |
| Loans ÷ deposits | 89.1% (stronger) | 91.0% |
| Uninsured deposits | 12.6% | 9.8% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Transcend Credit Union has the higher TellerScore (83 vs 56). On the 7 directional measures above (where higher or lower is clearly better), United Citizens Bank & Trust Company leads on 2 and Transcend Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.