Side-by-side · Q2 2026 data
Common Cents Federal Credit Union vs Union Pacific Employees Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Common Cents Federal Credit Union | Union Pacific Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 59 |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 90 (stronger) | 33 |
| Earnings | 100 (stronger) | 2 |
| Funding & liquidity | 87 (stronger) | 74 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 83rd | 20th |
| Total assets | $34.2M | $3.8M |
| Deposits / shares | $30.0M | $2.9M |
| Capital ratio | 12.13% | 23.66% (stronger) |
| Problem loans | 0.30% (stronger) | 2.02% |
| Net charge-offs | 0.66% | 0.02% (stronger) |
| Return on assets | 2.37% (stronger) | -0.44% |
| Loans ÷ deposits | 73.0% (stronger) | 86.6% |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Common Cents Federal Credit Union leads on 4 and Union Pacific Employees Credit Union on 3. 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.