Bny Mellon Trust Of Delaware vs Comenity Bank
Comparing a Bank in Wilmington, DE with a Bank in Wilmington, DE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bny Mellon Trust Of Delaware ↗ Bank · Wilmington, DE · Est. 1983 | Comenity Bank ↗ Bank · Wilmington, DE · Est. 1989 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Wilmington, DE | Wilmington, DE |
| Total assets | $252.8M | $7.8B |
| Capital ratio | 40.7% | 13.6% |
| Return on assets | 6.0% | 5.2% |
| Deposits | $147.0M | $4.0B |
| Branches | 1 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 16 | #4 of 16 |
| Established | 1983 | 1989 |
Bny Mellon Trust Of Delaware
- Assets: $252.8M
- Deposits: $147.0M
- Capital ratio: 40.7%
- Return on assets: 6.0%
- CFPB complaints: 0
- State rank: #2 of 16
Comenity Bank
- Assets: $7.8B
- Deposits: $4.0B
- Capital ratio: 13.6%
- Return on assets: 5.2%
- CFPB complaints: 0
- State rank: #4 of 16
Are both institutions federally insured?
Yes. Bny Mellon Trust Of Delaware is FDIC-insured and Comenity Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bny Mellon Trust Of Delaware or Comenity Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bny Mellon Trust Of Delaware scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bny Mellon Trust Of Delaware safe?
Yes — Bny Mellon Trust Of Delaware is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Comenity Bank safe?
Yes — Comenity Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bny Mellon Trust Of Delaware vs Comenity Bank?
Bny Mellon Trust Of Delaware has a capital ratio of 40.7%, placing it in the top 1% of $100M–1B peers. Comenity Bank's ratio is 13.6%, placing it in the top 12% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bny Mellon Trust Of Delaware have compared to Comenity Bank?
The CFPB database shows 0 complaints against Bny Mellon Trust Of Delaware, and 0 complaints against Comenity Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bny Mellon Trust Of Delaware with other Banks in Delaware
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
