Side-by-side · Q2 2026 data
Patriot Federal Credit Union vs Utilities Employees Credit Union
Metric by metric
| Measure | Patriot Federal Credit Union | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 91 (stronger) | 58 |
| Earnings | 63 (stronger) | 42 |
| Funding & liquidity | 78 | 97 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 79th | 82nd |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 11.49% | 15.73% (stronger) |
| Problem loans | 0.26% (stronger) | 1.26% |
| Net charge-offs | 0.29% | 0.18% (stronger) |
| Return on assets | 1.07% (stronger) | 0.54% |
| Loans ÷ deposits | 82.1% | 63.5% (stronger) |
| Uninsured deposits | 11.9% | 5.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.2% |
Utilities Employees Credit Union has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Patriot Federal Credit Union leads on 2 and Utilities Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.