Side-by-side · Q2 2026 data
Fremont Federal Credit Union vs Universal 1 Credit Union
Metric by metric
| Measure | Fremont Federal Credit Union | Universal 1 Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 77 (stronger) | 74 |
| Loan quality | 71 (stronger) | 49 |
| Earnings | 59 (stronger) | 48 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 91 (stronger) | 86 |
| Peer percentile | 63rd | 45th |
| Total assets | $391.4M | $424.7M |
| Deposits / shares | $334.8M | $370.1M |
| Capital ratio | 12.67% (stronger) | 12.42% |
| Problem loans | 0.86% (stronger) | 1.53% |
| Net charge-offs | 0.38% (stronger) | 1.37% |
| Return on assets | 0.98% (stronger) | 0.71% |
| Loans ÷ deposits | 79.0% | 58.0% (stronger) |
| Uninsured deposits | 7.4% | 2.6% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | 9.8% |
Fremont Federal Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fremont Federal Credit Union leads on 5 and Universal 1 Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.