Side-by-side · Q2 2026 data
I.L.W.U. 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 | I.L.W.U. Federal Credit Union | First U.S. Community Credit Union |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 49 | 70 (stronger) |
| Loan quality | 70 (stronger) | 69 |
| Earnings | 67 (stronger) | 33 |
| Funding & liquidity | 85 | 86 (stronger) |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 41st | 41st |
| Total assets | $607.5M | $547.9M |
| Deposits / shares | $550.2M | $481.8M |
| Capital ratio | 9.94% | 11.95% (stronger) |
| Problem loans | 0.89% (stronger) | 0.92% |
| Net charge-offs | 0.30% (stronger) | 0.60% |
| Return on assets | 1.16% (stronger) | 0.32% |
| Loans ÷ deposits | 74.1% (stronger) | 74.5% |
| Uninsured deposits | 16.5% | 11.4% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.8% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), I.L.W.U. Federal Credit Union leads on 4 and First U.S. Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.