Side-by-side · Q2 2026 data
First Choice Community Credit Union vs Ups Employees Credit Union
Credit union
First Choice Community Credit Union
Knoxville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First Choice Community Credit Union | Ups Employees Credit Union |
|---|---|---|
| TellerScore | 85 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 81 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 77th | 89th |
| Total assets | $48.9M | $44.9M |
| Deposits / shares | $40.7M | $33.5M |
| Capital ratio | 16.41% | 23.95% (stronger) |
| Problem loans | 1.02% | 0.57% (stronger) |
| Net charge-offs | 0.25% | 0.10% (stronger) |
| Return on assets | 1.31% | 2.46% (stronger) |
| Loans ÷ deposits | 48.6% (stronger) | 90.6% |
| Uninsured deposits | 1.5% (stronger) | 2.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ups Employees Credit Union has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First Choice Community Credit Union leads on 2 and Ups Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.