Side-by-side · Q2 2026 data
Fortera Federal Credit Union vs U. T. Federal Credit Union
Metric by metric
| Measure | Fortera Federal Credit Union | U. T. Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 77 (stronger) | 47 |
| Loan quality | 78 | 94 (stronger) |
| Earnings | 79 (stronger) | 38 |
| Funding & liquidity | 70 (stronger) | 65 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 74th | 34th |
| Total assets | $946.7M | $553.9M |
| Deposits / shares | $819.3M | $486.5M |
| Capital ratio | 12.69% (stronger) | 9.68% |
| Problem loans | 0.65% | 0.19% (stronger) |
| Net charge-offs | 0.98% | 0.28% (stronger) |
| Return on assets | 1.47% (stronger) | 0.45% |
| Loans ÷ deposits | 90.0% (stronger) | 95.2% |
| Uninsured deposits | 9.0% | 8.3% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.6% | 19.1% |
Fortera Federal Credit Union has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Fortera Federal Credit Union leads on 4 and U. T. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.