Side-by-side · Q2 2026 data
Freedom Credit Union vs Utilities Employees Credit Union
Metric by metric
| Measure | Freedom Credit Union | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 73 (stronger) | 58 |
| Earnings | 58 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 86th | 82nd |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 13.37% | 15.73% (stronger) |
| Problem loans | 0.81% (stronger) | 1.26% |
| Net charge-offs | 0.69% | 0.18% (stronger) |
| Return on assets | 0.96% (stronger) | 0.54% |
| Loans ÷ deposits | 59.9% (stronger) | 63.5% |
| Uninsured deposits | 9.9% | 5.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.2% |
Freedom Credit Union has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Freedom Credit Union leads on 4 and Utilities Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.