Side-by-side · Q2 2026 data
United Community Bank vs Riverland Federal Credit Union
Metric by metric
| Measure | United Community Bank | Riverland Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 76 | 82 (stronger) |
| Earnings | 88 (stronger) | 48 |
| Funding & liquidity | 59 (stronger) | 57 |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 84th | 74th |
| Total assets | $665.5M | $319.7M |
| Deposits / shares | $560.0M | $248.1M |
| Capital ratio | 14.47% | 15.84% (stronger) |
| Problem loans | 0.73% | 0.55% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.66% |
| Return on assets | 1.70% (stronger) | 0.70% |
| Loans ÷ deposits | 89.4% (stronger) | 103.0% |
| Uninsured deposits | 25.3% | 6.0% (stronger) |
| Offices | 11 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 20.7% |
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 4 and Riverland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.