Side-by-side · Q2 2026 data
Forest Area Federal Credit Union vs United Bay Community Credit Union
Metric by metric
| Measure | Forest Area Federal Credit Union | United Bay Community Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 55 |
| Capital cushion | 78 (stronger) | 25 |
| Loan quality | 36 | 80 (stronger) |
| Earnings | 87 (stronger) | 40 |
| Funding & liquidity | 89 (stronger) | 71 |
| Problem-loan coverage | 81 | 87 (stronger) |
| Peer percentile | 54th | 12th |
| Total assets | $318.3M | $301.7M |
| Deposits / shares | $277.8M | $276.1M |
| Capital ratio | 12.76% (stronger) | 7.54% |
| Problem loans | 1.92% | 0.60% (stronger) |
| Net charge-offs | 0.97% | 0.28% (stronger) |
| Return on assets | 1.69% (stronger) | 0.50% |
| Loans ÷ deposits | 71.5% (stronger) | 89.7% |
| Uninsured deposits | 3.5% | 0.9% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
Forest Area Federal Credit Union has the higher TellerScore (71 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Forest Area Federal Credit Union leads on 4 and United Bay Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.