Side-by-side · Q2 2026 data
West Union Bank vs United Bank
Metric by metric
| Measure | West Union Bank | United Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 37 | 66 (stronger) |
| Loan quality | 96 (stronger) | 85 |
| Earnings | 61 | 82 (stronger) |
| Funding & liquidity | 83 (stronger) | 44 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 43rd | 87th |
| Total assets | $300.3M | $33.6B |
| Deposits / shares | $263.7M | $27.3B |
| Capital ratio | 8.73% | 11.60% (stronger) |
| Problem loans | 0.13% (stronger) | 0.44% |
| Net charge-offs | 0.26% | 0.09% (stronger) |
| Return on assets | 1.03% | 1.56% (stronger) |
| Loans ÷ deposits | 58.2% (stronger) | 90.5% |
| Uninsured deposits | 31.0% (stronger) | 38.3% |
| Offices | 5 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | — | 20.3% |
United Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), West Union Bank leads on 3 and United Bank on 4. 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.