Side-by-side · Q2 2026 data
United Southern Bank vs Gateway Credit Union
Metric by metric
| Measure | United Southern Bank | Gateway Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 60 |
| Capital cushion | 77 (stronger) | 34 |
| Loan quality | 88 (stronger) | 77 |
| Earnings | 78 (stronger) | 40 |
| Funding & liquidity | 70 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 80th | 22nd |
| Total assets | $353.7M | $16.3M |
| Deposits / shares | $308.3M | $14.8M |
| Capital ratio | 12.66% (stronger) | 8.41% |
| Problem loans | 0.37% (stronger) | 0.70% |
| Net charge-offs | -0.01% (stronger) | 0.78% |
| Return on assets | 1.46% (stronger) | 0.51% |
| Loans ÷ deposits | 90.1% | 67.7% (stronger) |
| Uninsured deposits | 12.4% | 0.8% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 60). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 5 and Gateway 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.