Comenity Bank vs Bny Mellon Trust Of Delaware
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.
| Comenity Bank ↗ Bank · Wilmington, DE · Est. 1989 | Bny Mellon Trust Of Delaware ↗ Bank · Wilmington, DE · Est. 1983 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Wilmington, DE | Wilmington, DE |
| Total assets | $7.8B | $252.8M |
| Capital ratio | 13.6% | 40.7% |
| Return on assets | 5.2% | 6.0% |
| Deposits | $4.0B | $147.0M |
| Branches | 1 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 16 | #2 of 16 |
| Established | 1989 | 1983 |
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
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
Are both institutions federally insured?
Yes. Comenity Bank is FDIC-insured and Bny Mellon Trust Of Delaware 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, Comenity Bank or Bny Mellon Trust Of Delaware?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Comenity Bank 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 Comenity Bank safe?
Yes — Comenity Bank 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Comenity Bank vs Bny Mellon Trust Of Delaware?
Comenity Bank has a capital ratio of 13.6%, placing it in the top 12% of $1B–10B peers. Bny Mellon Trust Of Delaware's ratio is 40.7%, placing it in the top 1% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Comenity Bank have compared to Bny Mellon Trust Of Delaware?
The CFPB database shows 0 complaints against Comenity Bank, and 0 complaints against Bny Mellon Trust Of Delaware. 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 Comenity Bank 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.
