Side-by-side · Q2 2026 data
United Community Bank vs Founders Federal Credit Union
Metric by metric
| Measure | United Community Bank | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 45 | 86 (stronger) |
| Loan quality | 83 (stronger) | 77 |
| Earnings | 76 | 77 (stronger) |
| Funding & liquidity | 51 | 66 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 63rd | 86th |
| Total assets | $29.0B | $5.2B |
| Deposits / shares | $24.1B | $4.4B |
| Capital ratio | 9.52% | 13.62% (stronger) |
| Problem loans | 0.51% (stronger) | 0.68% |
| Net charge-offs | 0.19% (stronger) | 1.07% |
| Return on assets | 1.40% | 1.43% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 94.2% |
| Uninsured deposits | 39.4% | 11.4% (stronger) |
| Offices | 190 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.4% | 26.2% |
Founders Federal Credit Union has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Founders Federal Credit Union on 4. 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.
Where both have branches
- Charlotte, NC
- Spartanburg, SC
- Duncan, SC
- Gaffney, SC
- Laurens, SC
- Lexington, SC