Side-by-side · Q2 2026 data
Chivaho Federal Credit Union vs Universal 1 Credit Union
Metric by metric
| Measure | Chivaho Federal Credit Union | Universal 1 Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 68 |
| Capital cushion | 89 (stronger) | 74 |
| Loan quality | 91 (stronger) | 49 |
| Earnings | 50 (stronger) | 48 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 75th | 45th |
| Total assets | $37.7M | $424.7M |
| Deposits / shares | $32.4M | $370.1M |
| Capital ratio | 13.88% (stronger) | 12.42% |
| Problem loans | 0.27% (stronger) | 1.53% |
| Net charge-offs | 0.87% (stronger) | 1.37% |
| Return on assets | 0.74% (stronger) | 0.71% |
| Loans ÷ deposits | 47.2% (stronger) | 58.0% |
| Uninsured deposits | 3.6% | 2.6% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.8% |
Chivaho Federal Credit Union has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Chivaho Federal Credit Union leads on 6 and Universal 1 Credit Union on 1. 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.