Side-by-side · Q2 2026 data
Nspire Federal Credit Union vs United Credit Union
Metric by metric
| Measure | Nspire Federal Credit Union | United Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 58 |
| Capital cushion | 85 (stronger) | 21 |
| Loan quality | 78 | 79 (stronger) |
| Earnings | 0 | 45 (stronger) |
| Funding & liquidity | 79 | 95 (stronger) |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 32nd | 19th |
| Total assets | $29.0M | $29.6M |
| Deposits / shares | $24.9M | $27.2M |
| Capital ratio | 13.49% (stronger) | 7.07% |
| Problem loans | 0.65% | 0.64% (stronger) |
| Net charge-offs | 1.30% | 0.32% (stronger) |
| Return on assets | -0.66% | 0.63% (stronger) |
| Loans ÷ deposits | 81.4% | 65.2% (stronger) |
| Uninsured deposits | 2.1% | 0.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nspire Federal Credit Union has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Nspire Federal Credit Union leads on 2 and United Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.