Side-by-side · Q2 2026 data
Modesto'S First Federal Credit Union vs Universal City Studios Credit Union
Credit union
Modesto'S First Federal Credit Union
Modesto, California · Under $100 million in assets
Credit union
Universal City Studios Credit Union
Burbank, California · Under $100 million in assets
Metric by metric
| Measure | Modesto'S First Federal Credit Union | Universal City Studios Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 56 |
| Capital cushion | 38 (stronger) | 30 |
| Loan quality | 67 | 95 (stronger) |
| Earnings | 55 (stronger) | 0 |
| Funding & liquidity | 78 | 89 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 20th | 16th |
| Total assets | $74.2M | $71.6M |
| Deposits / shares | $67.3M | $65.8M |
| Capital ratio | 8.83% (stronger) | 7.98% |
| Problem loans | 0.99% | 0.16% (stronger) |
| Net charge-offs | 0.69% (stronger) | 0.74% |
| Return on assets | 0.88% (stronger) | -1.59% |
| Loans ÷ deposits | 82.0% | 71.6% (stronger) |
| Uninsured deposits | 14.3% | 5.7% (stronger) |
| Offices | 0 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Modesto'S First Federal Credit Union has the higher TellerScore (59 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Modesto'S First Federal Credit Union leads on 4 and Universal City Studios Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.