Side-by-side · Q2 2026 data
Lu 354 I B E W Federal Credit Union vs National J. A. C. L. Credit Union
Credit union
Lu 354 I B E W Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Credit union
National J. A. C. L. Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Lu 354 I B E W Federal Credit Union | National J. A. C. L. Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 8 | 43 (stronger) |
| Earnings | 65 (stronger) | 17 |
| Funding & liquidity | 73 | 97 (stronger) |
| Problem-loan coverage | 76 | 80 (stronger) |
| Peer percentile | 28th | 10th |
| Total assets | $39.8M | $38.6M |
| Deposits / shares | $33.2M | $33.6M |
| Capital ratio | 16.75% (stronger) | 9.69% |
| Problem loans | 2.77% | 1.71% (stronger) |
| Net charge-offs | 0.26% | 0.15% (stronger) |
| Return on assets | 1.12% (stronger) | -0.07% |
| Loans ÷ deposits | 87.1% | 63.3% (stronger) |
| Uninsured deposits | 12.4% | 1.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lu 354 I B E W Federal Credit Union has the higher TellerScore (64 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Lu 354 I B E W Federal Credit Union leads on 3 and National J. A. C. L. Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.