Side-by-side · Q2 2026 data
United Community Bank vs Post Office Employees' Credit Union
Credit union
Post Office Employees' Credit Union
Metairie, Louisiana · Under $100 million in assets
Metric by metric
| Measure | United Community Bank | Post Office Employees' Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 95 (stronger) | 74 |
| Loan quality | 76 | 94 (stronger) |
| Earnings | 88 (stronger) | 41 |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 84th | 59th |
| Total assets | $665.5M | $54.7M |
| Deposits / shares | $560.0M | $47.3M |
| Capital ratio | 14.47% (stronger) | 12.40% |
| Problem loans | 0.73% | 0.18% (stronger) |
| Net charge-offs | 0.17% | -0.08% (stronger) |
| Return on assets | 1.70% (stronger) | 0.52% |
| Loans ÷ deposits | 89.4% | 68.6% (stronger) |
| Uninsured deposits | 25.3% | 4.1% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
United Community Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 3 and Post Office Employees' 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.