Side-by-side · Q2 2026 data
Laredo Federal Credit Union vs United Community Credit Union
Metric by metric
| Measure | Laredo Federal Credit Union | United Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 63 | 70 (stronger) |
| Loan quality | 88 (stronger) | 65 |
| Earnings | 50 | 57 (stronger) |
| Funding & liquidity | 97 (stronger) | 80 |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 66th | 48th |
| Total assets | $136.6M | $127.9M |
| Deposits / shares | $125.6M | $112.6M |
| Capital ratio | 11.31% | 12.03% (stronger) |
| Problem loans | 0.35% (stronger) | 1.05% |
| Net charge-offs | 0.35% (stronger) | 0.88% |
| Return on assets | 0.75% | 0.92% (stronger) |
| Loans ÷ deposits | 62.9% (stronger) | 80.1% |
| Uninsured deposits | 2.9% | 2.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
Laredo Federal Credit Union has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Laredo Federal Credit Union leads on 4 and United Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.