Side-by-side · Q2 2026 data
Keys Federal Credit Union vs University Credit Union
Metric by metric
| Measure | Keys Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 60 (stronger) | 57 |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 31 (stronger) | 29 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 26th | 54th |
| Total assets | $253.2M | $228.7M |
| Deposits / shares | $218.6M | $202.4M |
| Capital ratio | 10.98% (stronger) | 10.75% |
| Problem loans | 0.88% | 0.24% (stronger) |
| Net charge-offs | 1.66% | 0.39% (stronger) |
| Return on assets | 0.28% (stronger) | 0.22% |
| Loans ÷ deposits | 80.6% | 50.3% (stronger) |
| Uninsured deposits | 7.4% | 5.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University Credit Union has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Keys Federal Credit Union leads on 2 and University Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.