Side-by-side · Q2 2026 data
Freestar Financial Credit Union vs United Financial Credit Union
Credit union
Freestar Financial Credit Union
Mount Clemens, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Freestar Financial Credit Union | United Financial Credit Union |
|---|---|---|
| TellerScore | 59 | 68 (stronger) |
| Capital cushion | 46 | 57 (stronger) |
| Loan quality | 61 | 66 (stronger) |
| Earnings | 38 | 57 (stronger) |
| Funding & liquidity | 92 | 93 (stronger) |
| Problem-loan coverage | 85 | 88 (stronger) |
| Peer percentile | 19th | 45th |
| Total assets | $350.0M | $360.1M |
| Deposits / shares | $312.5M | $325.7M |
| Capital ratio | 9.63% | 10.73% (stronger) |
| Problem loans | 1.17% | 1.03% (stronger) |
| Net charge-offs | 0.52% | 0.42% (stronger) |
| Return on assets | 0.45% | 0.92% (stronger) |
| Loans ÷ deposits | 68.7% | 67.0% (stronger) |
| Uninsured deposits | 5.1% | 2.7% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
United Financial Credit Union has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Freestar Financial Credit Union leads on 0 and United Financial Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.