Side-by-side · Q2 2026 data
Mypoint Credit Union vs Usc Credit Union
Metric by metric
| Measure | Mypoint Credit Union | Usc Credit Union |
|---|---|---|
| TellerScore | 58 | 61 (stronger) |
| Capital cushion | 36 | 53 (stronger) |
| Loan quality | 91 (stronger) | 76 |
| Earnings | 32 | 39 (stronger) |
| Funding & liquidity | 55 | 66 (stronger) |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 16th | 24th |
| Total assets | $704.5M | $741.1M |
| Deposits / shares | $576.3M | $638.3M |
| Capital ratio | 8.55% | 10.28% (stronger) |
| Problem loans | 0.27% (stronger) | 0.73% |
| Net charge-offs | 0.11% (stronger) | 0.52% |
| Return on assets | 0.30% | 0.48% (stronger) |
| Loans ÷ deposits | 105.1% | 94.4% (stronger) |
| Uninsured deposits | 8.3% | 8.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | 18.7% |
Usc Credit Union has the higher TellerScore (61 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Mypoint Credit Union leads on 2 and Usc Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.