Side-by-side · Q2 2026 data
Century Federal Credit Union vs Universal 1 Credit Union
Metric by metric
| Measure | Century Federal Credit Union | Universal 1 Credit Union |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 59 | 74 (stronger) |
| Loan quality | 79 (stronger) | 49 |
| Earnings | 34 | 48 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 86 |
| Peer percentile | 34th | 45th |
| Total assets | $469.9M | $424.7M |
| Deposits / shares | $414.4M | $370.1M |
| Capital ratio | 10.89% | 12.42% (stronger) |
| Problem loans | 0.63% (stronger) | 1.53% |
| Net charge-offs | 0.33% (stronger) | 1.37% |
| Return on assets | 0.35% | 0.71% (stronger) |
| Loans ÷ deposits | 81.9% | 58.0% (stronger) |
| Uninsured deposits | 7.1% | 2.6% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.8% |
Universal 1 Credit Union has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Century Federal Credit Union leads on 2 and Universal 1 Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.