Side-by-side · Q2 2026 data
United Community Bank vs Space Coast Credit Union
Metric by metric
| Measure | United Community Bank | Space Coast Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 45 | 64 (stronger) |
| Loan quality | 83 (stronger) | 73 |
| Earnings | 76 (stronger) | 51 |
| Funding & liquidity | 51 | 63 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 63rd | 44th |
| Total assets | $29.0B | $9.2B |
| Deposits / shares | $24.1B | $7.8B |
| Capital ratio | 9.52% | 11.41% (stronger) |
| Problem loans | 0.51% (stronger) | 0.80% |
| Net charge-offs | 0.19% (stronger) | 0.77% |
| Return on assets | 1.40% (stronger) | 0.79% |
| Loans ÷ deposits | 82.3% (stronger) | 97.1% |
| Uninsured deposits | 39.4% | 6.9% (stronger) |
| Offices | 190 | 54 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.4% | 35.2% |
United Community Bank has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 5 and Space Coast Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.