Side-by-side · Q2 2026 data
Hialeah Municipal Employees Federal Credit Union vs University Credit Union
Credit union
Hialeah Municipal Employees Federal Credit Union
Hialeah, Florida · Under $100 million in assets
Metric by metric
| Measure | Hialeah Municipal Employees Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 22 | 29 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 54th |
| Total assets | $14.2M | $228.7M |
| Deposits / shares | $10.9M | $202.4M |
| Capital ratio | 22.90% (stronger) | 10.75% |
| Problem loans | 0.04% (stronger) | 0.24% |
| Net charge-offs | 0.06% (stronger) | 0.39% |
| Return on assets | 0.05% | 0.22% (stronger) |
| Loans ÷ deposits | 78.8% | 50.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.4% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hialeah Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hialeah Municipal Employees Federal Credit Union leads on 5 and University Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.