Side-by-side · Q2 2026 data
Waterfall Bank vs Gallup Federal Credit Union
Metric by metric
| Measure | Waterfall Bank | Gallup Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 84 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 19 | 58 (stronger) |
| Funding & liquidity | 0 | 50 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 20th | 75th |
| Total assets | $409.9M | $16.4M |
| Deposits / shares | $330.3M | $13.3M |
| Capital ratio | 12.64% | 18.06% (stronger) |
| Problem loans | 0.03% (stronger) | 0.05% |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | -0.03% | 0.96% (stronger) |
| Loans ÷ deposits | 114.1% | 111.1% (stronger) |
| Uninsured deposits | 61.5% | 9.7% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gallup Federal Credit Union has the higher TellerScore (84 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Waterfall Bank leads on 1 and Gallup Federal Credit Union on 6. 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.