Side-by-side · Q2 2026 data
Waterford Bank, N.A. vs Tlc Community Credit Union
Metric by metric
| Measure | Waterford Bank, N.A. | Tlc Community Credit Union |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 54 | 95 (stronger) |
| Loan quality | 77 | 95 (stronger) |
| Earnings | 71 (stronger) | 66 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 40th | 95th |
| Total assets | $1.8B | $950.2M |
| Deposits / shares | $1.6B | $746.7M |
| Capital ratio | 10.45% | 14.48% (stronger) |
| Problem loans | 0.68% | 0.14% (stronger) |
| Net charge-offs | -0.08% (stronger) | 0.13% |
| Return on assets | 1.29% (stronger) | 1.15% |
| Loans ÷ deposits | 88.5% | 60.5% (stronger) |
| Uninsured deposits | 35.2% | 6.3% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 17.5% |
Tlc Community Credit Union has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Waterford Bank, N.A. leads on 2 and Tlc Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.