Side-by-side · Q2 2026 data
Memorial Credit Union vs U. S. Employees Credit Union
Metric by metric
| Measure | Memorial Credit Union | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 61 (stronger) | 54 |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 21 | 49 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 24th | 49th |
| Total assets | $84.2M | $86.4M |
| Deposits / shares | $74.3M | $77.0M |
| Capital ratio | 11.14% (stronger) | 10.38% |
| Problem loans | 0.66% | 0.20% (stronger) |
| Net charge-offs | 0.61% | 0.35% (stronger) |
| Return on assets | 0.02% | 0.72% (stronger) |
| Loans ÷ deposits | 89.8% | 48.6% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 4.0% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U. S. Employees Credit Union has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Memorial Credit Union leads on 2 and U. S. Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.