Side-by-side · Q2 2026 data
Gain Federal Credit Union vs First U.S. Community Credit Union
Credit union
First U.S. Community Credit Union
Sacramento, California · $100 million – $1 billion
Metric by metric
| Measure | Gain Federal Credit Union | First U.S. Community Credit Union |
|---|---|---|
| TellerScore | 60 | 67 (stronger) |
| Capital cushion | 31 | 70 (stronger) |
| Loan quality | 85 (stronger) | 69 |
| Earnings | 23 | 33 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 21st | 41st |
| Total assets | $454.0M | $547.9M |
| Deposits / shares | $424.1M | $481.8M |
| Capital ratio | 8.14% | 11.95% (stronger) |
| Problem loans | 0.44% (stronger) | 0.92% |
| Net charge-offs | 0.26% (stronger) | 0.60% |
| Return on assets | 0.09% | 0.32% (stronger) |
| Loans ÷ deposits | 57.0% (stronger) | 74.5% |
| Uninsured deposits | 10.6% (stronger) | 11.4% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.2% | 18.8% |
First U.S. Community Credit Union has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Gain Federal Credit Union leads on 4 and First U.S. Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.