Side-by-side · Q2 2026 data
Whitaker Bank vs Transcend Credit Union
Metric by metric
| Measure | Whitaker Bank | Transcend Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 83 |
| Capital cushion | 79 | 84 (stronger) |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 77 (stronger) | 68 |
| Funding & liquidity | 80 (stronger) | 69 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 95th | 83rd |
| Total assets | $1.9B | $588.3M |
| Deposits / shares | $1.6B | $473.2M |
| Capital ratio | 12.89% | 13.37% (stronger) |
| Problem loans | 0.21% | 0.13% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.18% |
| Return on assets | 1.42% (stronger) | 1.19% |
| Loans ÷ deposits | 67.3% (stronger) | 91.0% |
| Uninsured deposits | 26.8% | 9.8% (stronger) |
| Offices | 44 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Whitaker Bank leads on 4 and Transcend Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.