Side-by-side · Q2 2026 data
Cumberland County Federal Credit Union vs University Credit Union
Credit union
Cumberland County Federal Credit Union
Falmouth, Maine · $100 million – $1 billion
Metric by metric
| Measure | Cumberland County Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 60 |
| Capital cushion | 51 (stronger) | 44 |
| Loan quality | 70 | 80 (stronger) |
| Earnings | 60 (stronger) | 42 |
| Funding & liquidity | 97 (stronger) | 60 |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 45th | 21st |
| Total assets | $494.0M | $538.5M |
| Deposits / shares | $440.9M | $409.3M |
| Capital ratio | 10.10% (stronger) | 9.37% |
| Problem loans | 0.90% | 0.61% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.17% |
| Return on assets | 1.01% (stronger) | 0.54% |
| Loans ÷ deposits | 63.3% (stronger) | 100.1% |
| Uninsured deposits | 9.2% | 3.6% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cumberland County Federal Credit Union has the higher TellerScore (68 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Cumberland County Federal Credit Union leads on 5 and University Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.