Side-by-side · Q2 2026 data
Excite Credit Union vs First U.S. Community Credit Union
Credit union
First U.S. Community Credit Union
Sacramento, California · $100 million – $1 billion
Metric by metric
| Measure | Excite Credit Union | First U.S. Community Credit Union |
|---|---|---|
| TellerScore | 51 | 67 (stronger) |
| Capital cushion | 19 | 70 (stronger) |
| Loan quality | 82 (stronger) | 69 |
| Earnings | 21 | 33 (stronger) |
| Funding & liquidity | 80 | 86 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 7th | 41st |
| Total assets | $613.8M | $547.9M |
| Deposits / shares | $575.0M | $481.8M |
| Capital ratio | 6.89% | 11.95% (stronger) |
| Problem loans | 0.54% (stronger) | 0.92% |
| Net charge-offs | 0.88% | 0.60% (stronger) |
| Return on assets | 0.03% | 0.32% (stronger) |
| Loans ÷ deposits | 80.4% | 74.5% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 11.4% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | 18.8% |
First U.S. Community Credit Union has the higher TellerScore (67 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Excite Credit Union leads on 2 and First U.S. Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.