Side-by-side · Q2 2026 data
First California Federal Credit Union vs United Local Credit Union
Credit union
First California Federal Credit Union
Fresno, California · $100 million – $1 billion
Metric by metric
| Measure | First California Federal Credit Union | United Local Credit Union |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 67 | 93 (stronger) |
| Earnings | 100 (stronger) | 18 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 74th | 76th |
| Total assets | $109.7M | $119.3M |
| Deposits / shares | $97.8M | $94.6M |
| Capital ratio | 10.58% | 20.14% (stronger) |
| Problem loans | 0.98% | 0.20% (stronger) |
| Net charge-offs | 0.69% | 0.58% (stronger) |
| Return on assets | 2.00% (stronger) | -0.05% |
| Loans ÷ deposits | 54.0% (stronger) | 80.7% |
| Uninsured deposits | 6.2% (stronger) | 9.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.5% | 6.7% |
United Local Credit Union has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First California Federal Credit Union leads on 3 and United Local Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.