Side-by-side · Q2 2026 data
Dirigo Federal Credit Union vs University Credit Union
Metric by metric
| Measure | Dirigo Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 59 | 60 (stronger) |
| Capital cushion | 51 (stronger) | 44 |
| Loan quality | 69 | 80 (stronger) |
| Earnings | 35 | 42 (stronger) |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 86 | 90 (stronger) |
| Peer percentile | 19th | 21st |
| Total assets | $498.2M | $538.5M |
| Deposits / shares | $443.8M | $409.3M |
| Capital ratio | 10.13% (stronger) | 9.37% |
| Problem loans | 0.93% | 0.61% (stronger) |
| Net charge-offs | 0.20% | 0.17% (stronger) |
| Return on assets | 0.37% | 0.54% (stronger) |
| Loans ÷ deposits | 84.9% (stronger) | 100.1% |
| Uninsured deposits | 3.6% | 3.6% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | — |
University Credit Union has the higher TellerScore (60 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Dirigo Federal Credit Union leads on 2 and University Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.