Side-by-side · Q2 2026 data
1st United Credit Union vs F3 Credit Union
Metric by metric
| Measure | 1st United Credit Union | F3 Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 50 (stronger) | 47 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 82nd | 78th |
| Total assets | $1.3B | $236.8M |
| Deposits / shares | $1.1B | $196.8M |
| Capital ratio | 12.16% | 18.47% (stronger) |
| Problem loans | 0.25% (stronger) | 1.05% |
| Net charge-offs | 0.27% (stronger) | 1.00% |
| Return on assets | 0.75% (stronger) | 0.68% |
| Loans ÷ deposits | 73.6% | 55.0% (stronger) |
| Uninsured deposits | 10.7% | 5.9% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
F3 Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), 1st United Credit Union leads on 3 and F3 Credit Union 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.