Side-by-side · Q2 2026 data
United Community Bank vs Citizens Community Credit Union
Metric by metric
| Measure | United Community Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 51 | 88 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 50 | 76 (stronger) |
| Earnings | 65 | 87 (stronger) |
| Funding & liquidity | 46 | 79 (stronger) |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 8th | 92nd |
| Total assets | $290.0M | $253.6M |
| Deposits / shares | $232.7M | $201.9M |
| Capital ratio | 8.45% | 19.14% (stronger) |
| Problem loans | 1.51% | 0.73% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.76% |
| Return on assets | 1.12% | 1.69% (stronger) |
| Loans ÷ deposits | 89.6% | 81.1% (stronger) |
| Uninsured deposits | 37.4% | 5.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 51). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 1 and Citizens Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.