Side-by-side · Q2 2026 data
Escondido Federal Credit Union vs Universal City Studios Credit Union
Credit union
Escondido Federal Credit Union
Escondido, California · Under $100 million in assets
Credit union
Universal City Studios Credit Union
Burbank, California · Under $100 million in assets
Metric by metric
| Measure | Escondido Federal Credit Union | Universal City Studios Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 56 |
| Capital cushion | 87 (stronger) | 30 |
| Loan quality | 98 (stronger) | 95 |
| Earnings | 67 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 87th | 16th |
| Total assets | $66.8M | $71.6M |
| Deposits / shares | $57.4M | $65.8M |
| Capital ratio | 13.67% (stronger) | 7.98% |
| Problem loans | 0.06% (stronger) | 0.16% |
| Net charge-offs | 0.19% (stronger) | 0.74% |
| Return on assets | 1.17% (stronger) | -1.59% |
| Loans ÷ deposits | 39.3% (stronger) | 71.6% |
| Uninsured deposits | 8.0% | 5.7% (stronger) |
| Offices | 0 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Escondido Federal Credit Union has the higher TellerScore (89 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Escondido Federal Credit Union leads on 6 and Universal City Studios Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.