Side-by-side · Q2 2026 data
Gold Coast Federal Credit Union vs University Credit Union
Metric by metric
| Measure | Gold Coast Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 69 (stronger) | 57 |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 43 (stronger) | 29 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 66th | 54th |
| Total assets | $269.8M | $228.7M |
| Deposits / shares | $239.9M | $202.4M |
| Capital ratio | 11.91% (stronger) | 10.75% |
| Problem loans | 0.43% | 0.24% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.39% |
| Return on assets | 0.58% (stronger) | 0.22% |
| Loans ÷ deposits | 54.6% | 50.3% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 5.4% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
Gold Coast Federal Credit Union has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gold Coast Federal Credit Union leads on 5 and University Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.