Side-by-side · Q2 2026 data
Miami Firefighters Federal Credit Union vs University Credit Union
Metric by metric
| Measure | Miami Firefighters Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 75 (stronger) | 57 |
| Loan quality | 87 | 92 (stronger) |
| Earnings | 56 (stronger) | 29 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 68th | 54th |
| Total assets | $189.2M | $228.7M |
| Deposits / shares | $165.1M | $202.4M |
| Capital ratio | 12.52% (stronger) | 10.75% |
| Problem loans | 0.39% | 0.24% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.39% |
| Return on assets | 0.89% (stronger) | 0.22% |
| Loans ÷ deposits | 83.8% | 50.3% (stronger) |
| Uninsured deposits | 18.4% | 5.4% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | — |
Miami Firefighters Federal Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Miami Firefighters Federal Credit Union leads on 4 and University Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.