Side-by-side · Q2 2026 data
North Memorial Federal Credit Union vs United Employees Credit Union
Credit union
North Memorial Federal Credit Union
Robbinsdale, Minnesota · Under $100 million in assets
Credit union
United Employees Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | North Memorial Federal Credit Union | United Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 68 | 92 (stronger) |
| Loan quality | 77 (stronger) | 73 |
| Earnings | 62 | 84 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 52nd | 83rd |
| Total assets | $50.7M | $66.4M |
| Deposits / shares | $44.4M | $56.5M |
| Capital ratio | 11.84% | 14.19% (stronger) |
| Problem loans | 0.68% (stronger) | 0.80% |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.04% | 1.59% (stronger) |
| Loans ÷ deposits | 69.0% | 50.0% (stronger) |
| Uninsured deposits | 4.5% | 2.0% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Employees Credit Union has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), North Memorial Federal Credit Union leads on 2 and United Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.