Side-by-side · Q2 2026 data
Parda Federal Credit Union vs U.P. State Credit Union
Metric by metric
| Measure | Parda Federal Credit Union | U.P. State Credit Union |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 87 (stronger) | 82 |
| Loan quality | 75 (stronger) | 63 |
| Earnings | 31 | 86 (stronger) |
| Funding & liquidity | 99 (stronger) | 84 |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 66th | 76th |
| Total assets | $217.4M | $210.3M |
| Deposits / shares | $189.9M | $181.5M |
| Capital ratio | 13.68% (stronger) | 13.17% |
| Problem loans | 0.75% (stronger) | 1.10% |
| Net charge-offs | 0.52% | 0.12% (stronger) |
| Return on assets | 0.27% | 1.66% (stronger) |
| Loans ÷ deposits | 61.0% (stronger) | 76.2% |
| Uninsured deposits | 9.1% | 0.6% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
U.P. State Credit Union has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Parda Federal Credit Union leads on 3 and U.P. State Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.