Side-by-side · Q2 2026 data
United Community Bank vs T E a Federal Credit Union
Metric by metric
| Measure | United Community Bank | T E a Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 30 |
| Capital cushion | 95 (stronger) | 31 |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 88 (stronger) | 6 |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 88 (stronger) | 59 |
| Peer percentile | 84th | 1st |
| Total assets | $665.5M | $2.5M |
| Deposits / shares | $560.0M | $2.3M |
| Capital ratio | 14.47% (stronger) | 8.08% |
| Problem loans | 0.73% (stronger) | 3.10% |
| Net charge-offs | 0.17% | 0.05% (stronger) |
| Return on assets | 1.70% (stronger) | -0.36% |
| Loans ÷ deposits | 89.4% | 68.6% (stronger) |
| Uninsured deposits | 25.3% | 0.0% (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 30). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 4 and T E a Federal Credit Union on 3. 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.