Side-by-side · Q2 2026 data
Upper Peninsula State Bank vs Union Bank
Metric by metric
| Measure | Upper Peninsula State Bank | Union Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 53 |
| Capital cushion | 84 (stronger) | 38 |
| Loan quality | 64 | 64 |
| Earnings | 76 (stronger) | 50 |
| Funding & liquidity | 45 | 49 (stronger) |
| Problem-loan coverage | 87 (stronger) | 82 |
| Peer percentile | 50th | 9th |
| Total assets | $371.7M | $396.7M |
| Deposits / shares | $303.6M | $313.5M |
| Capital ratio | 13.42% (stronger) | 8.83% |
| Problem loans | 1.09% | 1.07% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.41% (stronger) | 0.75% |
| Loans ÷ deposits | 100.5% (stronger) | 100.6% |
| Uninsured deposits | 28.5% | 25.0% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
Upper Peninsula State Bank has the higher TellerScore (72 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Upper Peninsula State Bank leads on 4 and Union Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.