Side-by-side · Q2 2026 data
Ellafi Federal Credit Union vs United Business & Industry Federal Credit Union
Credit union
United Business & Industry Federal Credit Union
Plainville, Connecticut · $100 million – $1 billion
Metric by metric
| Measure | Ellafi Federal Credit Union | United Business & Industry Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 77 (stronger) |
| Capital cushion | 23 | 66 (stronger) |
| Loan quality | 89 | 97 (stronger) |
| Earnings | 24 | 65 (stronger) |
| Funding & liquidity | 91 (stronger) | 68 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 14th | 71st |
| Total assets | $178.1M | $141.4M |
| Deposits / shares | $160.9M | $124.3M |
| Capital ratio | 7.29% | 11.57% (stronger) |
| Problem loans | 0.33% | 0.09% (stronger) |
| Net charge-offs | 0.41% (stronger) | 0.55% |
| Return on assets | 0.11% | 1.13% (stronger) |
| Loans ÷ deposits | 69.7% (stronger) | 92.3% |
| Uninsured deposits | 2.6% (stronger) | 11.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Business & Industry Federal Credit Union has the higher TellerScore (77 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Ellafi Federal Credit Union leads on 3 and United Business & Industry Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.