Side-by-side · Q2 2026 data
United Community Bank vs LA Terre Federal Credit Union
Credit union
LA Terre Federal Credit Union
Houma, Louisiana · Under $100 million in assets
Metric by metric
| Measure | United Community Bank | LA Terre Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 40 |
| Capital cushion | 95 (stronger) | 17 |
| Loan quality | 76 (stronger) | 44 |
| Earnings | 88 (stronger) | 41 |
| Funding & liquidity | 59 | 73 (stronger) |
| Problem-loan coverage | 88 (stronger) | 49 |
| Peer percentile | 84th | 3rd |
| Total assets | $665.5M | $25.4M |
| Deposits / shares | $560.0M | $23.8M |
| Capital ratio | 14.47% (stronger) | 6.65% |
| Problem loans | 0.73% (stronger) | 1.68% |
| Net charge-offs | 0.17% (stronger) | 0.31% |
| Return on assets | 1.70% (stronger) | 0.52% |
| Loans ÷ deposits | 89.4% | 87.5% (stronger) |
| Uninsured deposits | 25.3% | 0.3% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
United Community Bank has the higher TellerScore (83 vs 40). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 5 and LA Terre Federal Credit Union on 2. 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.